Call reports 2009
HERITAGE BANK, THE — 2009
What HERITAGE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 256,575,000 | 253,267,000 | 251,391,000 | 253,173,000 |
| Total loans | 173,844,000 | 172,966,000 | 166,830,000 | 159,397,000 |
| Allowance for loan losses | 2,217,000 | 2,192,000 | 2,961,000 | 2,526,000 |
| Securities available for sale | 59,076,000 | 57,490,000 | 57,929,000 | 73,657,000 |
| Securities held to maturity | 85,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,642,000 | 214,207,000 | 216,112,000 | 218,274,000 |
| Interest-bearing deposits | 178,529,000 | 177,258,000 | 176,516,000 | 178,795,000 |
| Noninterest-bearing deposits | 38,113,000 | 36,949,000 | 39,596,000 | 39,479,000 |
| Equity capital | 30,286,000 | 30,503,000 | 28,922,000 | 29,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,151,000 | 6,267,000 | 9,289,000 | 12,255,000 |
| Interest expense | 775,000 | 1,517,000 | 2,196,000 | 2,825,000 |
| Net interest income | 2,376,000 | 4,750,000 | 7,093,000 | 9,430,000 |
| Noninterest income | 704,000 | 1,200,000 | 1,248,000 | 1,905,000 |
| Noninterest expense | 2,350,000 | 4,840,000 | 7,364,000 | 9,712,000 |
| Provision for loan losses | 100,000 | 275,000 | 2,911,000 | 3,311,000 |
| Pretax income | 630,000 | 997,000 | -1,772,000 | -1,526,000 |
| Income tax | 225,000 | 336,000 | -624,000 | -544,000 |
| Net income | 405,000 | 661,000 | -1,148,000 | -982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,684,000 | 28,025,000 | 26,100,000 | 26,326,000 |
| Total capital | 30,934,000 | 31,266,000 | 29,501,000 | 29,707,000 |
| Risk-weighted assets | 173,898,000 | 171,537,000 | 161,822,000 | 156,432,000 |