Call reports 2004
HERITAGE BANK, THE — 2004
What HERITAGE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 216,795,000 | 222,179,000 | 221,797,000 | 221,350,000 |
| Total loans | 153,689,000 | 158,399,000 | 158,166,000 | 156,737,000 |
| Allowance for loan losses | 2,033,000 | 2,032,000 | 2,002,000 | 1,921,000 |
| Securities available for sale | 44,332,000 | 43,350,000 | 38,337,000 | 45,624,000 |
| Securities held to maturity | 515,000 | 724,000 | 724,000 | 709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,553,000 | 189,681,000 | 194,262,000 | 193,258,000 |
| Interest-bearing deposits | 156,808,000 | 159,223,000 | 161,806,000 | 161,493,000 |
| Noninterest-bearing deposits | 30,745,000 | 30,458,000 | 32,456,000 | 31,765,000 |
| Equity capital | 20,612,000 | 19,941,000 | 20,493,000 | 20,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,778,000 | 5,584,000 | 8,492,000 | 11,462,000 |
| Interest expense | 597,000 | 1,203,000 | 1,824,000 | 2,482,000 |
| Net interest income | 2,181,000 | 4,381,000 | 6,668,000 | 8,980,000 |
| Noninterest income | 632,000 | 1,287,000 | 1,974,000 | 2,662,000 |
| Noninterest expense | 2,065,000 | 4,348,000 | 6,658,000 | 9,000,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 748,000 | 1,320,000 | 1,984,000 | 2,642,000 |
| Income tax | 230,000 | 400,000 | 600,000 | 1,067,000 |
| Net income | 518,000 | 920,000 | 1,384,000 | 1,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,996,000 | 15,000,000 | 15,592,000 | 15,884,000 |
| Total capital | 17,853,000 | 17,896,000 | 18,444,000 | 19,041,000 |
| Risk-weighted assets | 149,797,000 | 153,828,000 | 153,706,000 | 152,443,000 |