Call reports 2009
HERITAGE BANK, NATIONAL ASSOCIATION — 2009
What HERITAGE BANK, NATIONAL ASSOCIATION 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 | 172,144,000 | 167,127,000 | 154,302,000 | 149,026,000 |
| Total loans | 111,312,000 | 109,938,000 | 111,797,000 | 107,365,000 |
| Allowance for loan losses | 2,871,000 | 2,396,000 | 3,037,000 | 3,360,000 |
| Securities available for sale | 53,567,000 | 41,249,000 | 38,100,000 | 37,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,073,000 | 134,510,000 | 115,339,000 | 112,949,000 |
| Interest-bearing deposits | 118,530,000 | 116,846,000 | 97,286,000 | 96,911,000 |
| Noninterest-bearing deposits | 21,543,000 | 17,664,000 | 18,053,000 | 16,039,000 |
| Equity capital | 18,988,000 | 21,993,000 | 20,824,000 | 18,856,000 |
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 | 2,340,000 | 4,479,000 | 6,481,000 | 8,409,000 |
| Interest expense | 1,118,000 | 2,163,000 | 3,054,000 | 3,736,000 |
| Net interest income | 1,222,000 | 2,316,000 | 3,427,000 | 4,673,000 |
| Noninterest income | 38,000 | 126,000 | 191,000 | 269,000 |
| Noninterest expense | 1,115,000 | 2,596,000 | 4,016,000 | 5,345,000 |
| Provision for loan losses | 833,000 | 2,913,000 | 3,963,000 | 5,913,000 |
| Pretax income | -688,000 | -2,578,000 | -3,872,000 | -5,827,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -688,000 | -2,578,000 | -3,872,000 | -5,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,763,000 | 20,872,000 | 19,578,000 | 17,621,000 |
| Total capital | 19,101,000 | 22,190,000 | 20,780,000 | 18,792,000 |
| Risk-weighted assets | 105,528,000 | 104,364,000 | 94,356,000 | 91,453,000 |