Call reports 2006
HERITAGE BANK, NATIONAL ASSOCIATION — 2006
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q3 | 2006Q4 |
|---|---|---|
| Total assets | 172,727,000 | 159,979,000 |
| Total loans | 85,594,000 | 86,119,000 |
| Allowance for loan losses | 893,000 | 941,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 117,383,000 | 114,083,000 |
| Interest-bearing deposits | 65,526,000 | 58,301,000 |
| Noninterest-bearing deposits | 51,858,000 | 55,782,000 |
| Equity capital | 44,238,000 | 45,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q3 | 2006Q4 |
|---|---|---|
| Interest income | 367,000 | 2,895,000 |
| Interest expense | 91,000 | 706,000 |
| Net interest income | 276,000 | 2,189,000 |
| Noninterest income | 4,000 | 43,000 |
| Noninterest expense | 774,000 | 2,181,000 |
| Provision for loan losses | 893,000 | 76,000 |
| Pretax income | -1,387,000 | -25,000 |
| Income tax | 0 | 0 |
| Net income | -1,387,000 | -25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q3 | 2006Q4 |
|---|---|---|
| Tier 1 capital | 19,595,000 | 20,206,000 |
| Total capital | 20,488,000 | 21,147,000 |
| Risk-weighted assets | 102,000,000 | 99,920,000 |