Call reports 2010
HERITAGE BANK, THE — 2010
What HERITAGE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 259,206,000 | 260,587,000 | 266,049,000 | 262,832,000 |
| Total loans | 157,776,000 | 155,731,000 | 147,252,000 | 141,650,000 |
| Allowance for loan losses | 2,369,000 | 2,304,000 | 2,429,000 | 2,221,000 |
| Securities available for sale | 74,767,000 | 75,848,000 | 88,272,000 | 94,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,987,000 | 222,613,000 | 227,544,000 | 227,788,000 |
| Interest-bearing deposits | 183,265,000 | 184,212,000 | 186,439,000 | 189,489,000 |
| Noninterest-bearing deposits | 39,722,000 | 38,401,000 | 41,105,000 | 38,299,000 |
| Equity capital | 29,877,000 | 30,625,000 | 31,168,000 | 28,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,805,000 | 5,595,000 | 8,452,000 | 11,129,000 |
| Interest expense | 567,000 | 1,118,000 | 1,657,000 | 2,138,000 |
| Net interest income | 2,238,000 | 4,477,000 | 6,795,000 | 8,991,000 |
| Noninterest income | 651,000 | 1,288,000 | 1,914,000 | 2,455,000 |
| Noninterest expense | 2,409,000 | 4,873,000 | 7,357,000 | 10,775,000 |
| Provision for loan losses | 100,000 | 330,000 | 430,000 | 946,000 |
| Pretax income | 380,000 | 562,000 | 922,000 | 859,000 |
| Income tax | 131,000 | 185,000 | 292,000 | 654,000 |
| Net income | 249,000 | 377,000 | 630,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,449,000 | 26,587,000 | 26,839,000 | 27,472,000 |
| Total capital | 30,194,000 | 30,229,000 | 30,324,000 | 30,936,000 |
| Risk-weighted assets | 156,143,000 | 153,399,000 | 146,604,000 | 141,872,000 |