Call reports 2011
HERITAGE BANK, THE — 2011
What HERITAGE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 265,983,000 | 268,820,000 | 267,917,000 | 265,542,000 |
| Total loans | 140,547,000 | 136,552,000 | 137,422,000 | 133,854,000 |
| Allowance for loan losses | 2,331,000 | 2,356,000 | 2,648,000 | 2,661,000 |
| Securities available for sale | 100,384,000 | 109,667,000 | 102,896,000 | 98,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,398,000 | 228,467,000 | 228,616,000 | 228,061,000 |
| Interest-bearing deposits | 190,349,000 | 188,984,000 | 185,084,000 | 185,386,000 |
| Noninterest-bearing deposits | 40,049,000 | 39,483,000 | 43,532,000 | 42,675,000 |
| Equity capital | 28,662,000 | 29,291,000 | 30,525,000 | 30,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,773,000 | 5,438,000 | 8,061,000 | 10,512,000 |
| Interest expense | 433,000 | 840,000 | 1,221,000 | 1,582,000 |
| Net interest income | 2,340,000 | 4,598,000 | 6,840,000 | 8,930,000 |
| Noninterest income | 659,000 | 1,081,000 | 1,290,000 | 1,537,000 |
| Noninterest expense | 2,362,000 | 4,782,000 | 7,198,000 | 9,428,000 |
| Provision for loan losses | 75,000 | 350,000 | 955,000 | 1,911,000 |
| Pretax income | 562,000 | 547,000 | 908,000 | 1,301,000 |
| Income tax | 183,000 | 173,000 | 242,000 | 407,000 |
| Net income | 379,000 | 374,000 | 666,000 | 894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,750,000 | 27,595,000 | 27,787,000 | 28,016,000 |
| Total capital | 31,345,000 | 31,037,000 | 30,781,000 | 31,326,000 |
| Risk-weighted assets | 142,407,000 | 141,477,000 | 142,483,000 | 141,132,000 |