Call reports 2005
HERITAGE BANK, THE — 2005
What HERITAGE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 225,383,000 | 224,852,000 | 238,546,000 | 244,857,000 |
| Total loans | 160,977,000 | 161,444,000 | 162,113,000 | 161,583,000 |
| Allowance for loan losses | 1,924,000 | 1,942,000 | 1,982,000 | 1,977,000 |
| Securities available for sale | 40,217,000 | 40,283,000 | 46,680,000 | 61,625,000 |
| Securities held to maturity | 709,000 | 325,000 | 325,000 | 1,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,748,000 | 196,857,000 | 206,888,000 | 210,722,000 |
| Interest-bearing deposits | 164,441,000 | 161,564,000 | 167,296,000 | 172,300,000 |
| Noninterest-bearing deposits | 33,307,000 | 35,293,000 | 39,592,000 | 38,422,000 |
| Equity capital | 20,048,000 | 20,585,000 | 23,215,000 | 24,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,963,000 | 6,061,000 | 9,365,000 | 12,905,000 |
| Interest expense | 715,000 | 1,489,000 | 2,416,000 | 3,512,000 |
| Net interest income | 2,248,000 | 4,572,000 | 6,949,000 | 9,393,000 |
| Noninterest income | 652,000 | 1,331,000 | 2,016,000 | 2,705,000 |
| Noninterest expense | 2,196,000 | 4,413,000 | 6,714,000 | 9,072,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 250,000 |
| Pretax income | 629,000 | 1,340,000 | 2,011,000 | 2,761,000 |
| Income tax | 205,000 | 465,000 | 690,000 | 992,000 |
| Net income | 424,000 | 875,000 | 1,321,000 | 1,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,300,000 | 15,880,000 | 18,271,000 | 19,848,000 |
| Total capital | 18,456,000 | 19,034,000 | 21,743,000 | 23,355,000 |
| Risk-weighted assets | 157,223,000 | 156,684,000 | 160,464,000 | 162,728,000 |