Call reports 2006
HERITAGE BANK, THE — 2006
What HERITAGE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 252,610,000 | 250,409,000 | 253,426,000 | 249,990,000 |
| Total loans | 159,952,000 | 159,694,000 | 160,100,000 | 157,264,000 |
| Allowance for loan losses | 2,051,000 | 2,129,000 | 2,139,000 | 2,093,000 |
| Securities available for sale | 64,942,000 | 61,060,000 | 65,234,000 | 54,492,000 |
| Securities held to maturity | 1,125,000 | 1,050,000 | 1,050,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,458,000 | 213,892,000 | 217,383,000 | 213,851,000 |
| Interest-bearing deposits | 179,317,000 | 174,128,000 | 176,289,000 | 175,827,000 |
| Noninterest-bearing deposits | 39,141,000 | 39,764,000 | 41,094,000 | 38,024,000 |
| Equity capital | 25,449,000 | 26,113,000 | 26,708,000 | 27,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,681,000 | 7,543,000 | 11,552,000 | 15,638,000 |
| Interest expense | 1,170,000 | 2,417,000 | 3,762,000 | 5,170,000 |
| Net interest income | 2,511,000 | 5,126,000 | 7,790,000 | 10,468,000 |
| Noninterest income | 627,000 | 1,302,000 | 2,001,000 | 2,679,000 |
| Noninterest expense | 2,188,000 | 4,436,000 | 6,811,000 | 9,274,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 875,000 | 1,842,000 | 2,830,000 | 3,723,000 |
| Income tax | 314,000 | 659,000 | 1,013,000 | 1,319,000 |
| Net income | 561,000 | 1,183,000 | 1,817,000 | 2,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,537,000 | 21,286,000 | 22,048,000 | 22,763,000 |
| Total capital | 24,295,000 | 25,129,000 | 25,826,000 | 26,588,000 |
| Risk-weighted assets | 162,451,000 | 162,802,000 | 165,598,000 | 162,560,000 |