Call reports 2001
HERITAGE BANK, THE — 2001
What HERITAGE BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 183,644,000 | 185,626,000 | 217,298,000 | 210,540,000 |
| Total loans | 106,655,000 | 112,687,000 | 125,997,000 | 124,184,000 |
| Allowance for loan losses | 1,321,000 | 1,304,000 | 1,653,000 | 1,723,000 |
| Securities available for sale | 42,536,000 | 52,807,000 | 64,037,000 | 60,627,000 |
| Securities held to maturity | 4,707,000 | 4,515,000 | 1,643,000 | 4,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,884,000 | 160,564,000 | 188,373,000 | 182,221,000 |
| Interest-bearing deposits | 139,368,000 | 138,138,000 | 161,178,000 | 155,503,000 |
| Noninterest-bearing deposits | 20,516,000 | 22,426,000 | 27,195,000 | 26,718,000 |
| Equity capital | 16,035,000 | 16,546,000 | 18,814,000 | 18,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,328,000 | 6,541,000 | 9,808,000 | 12,971,000 |
| Interest expense | 1,631,000 | 3,141,000 | 4,577,000 | 5,959,000 |
| Net interest income | 1,697,000 | 3,400,000 | 5,231,000 | 7,012,000 |
| Noninterest income | 478,000 | 985,000 | 1,502,000 | 2,101,000 |
| Noninterest expense | 1,639,000 | 3,355,000 | 5,219,000 | 7,202,000 |
| Provision for loan losses | 45,000 | 90,000 | 165,000 | 240,000 |
| Pretax income | 495,000 | 944,000 | 1,353,000 | 1,675,000 |
| Income tax | 110,000 | 190,000 | 235,000 | 565,000 |
| Net income | 385,000 | 754,000 | 1,118,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,658,000 | 12,096,000 | 11,902,000 | 12,419,000 |
| Total capital | 12,979,000 | 14,287,000 | 14,087,000 | 14,780,000 |
| Risk-weighted assets | 114,232,000 | 115,349,000 | 129,919,000 | 128,961,000 |