Call reports 2010
HERITAGE BANK, NATIONAL ASSOCIATION — 2010
What HERITAGE BANK, NATIONAL ASSOCIATION 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 | 142,322,000 | 144,510,000 | 138,367,000 | 120,614,000 |
| Total loans | 101,739,000 | 104,885,000 | 94,456,000 | 93,299,000 |
| Allowance for loan losses | 3,901,000 | 4,045,000 | 3,106,000 | 2,474,000 |
| Securities available for sale | 28,743,000 | 23,117,000 | 21,265,000 | 19,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,934,000 | 116,196,000 | 112,446,000 | 96,922,000 |
| Interest-bearing deposits | 98,494,000 | 102,012,000 | 97,990,000 | 83,391,000 |
| Noninterest-bearing deposits | 15,439,000 | 14,184,000 | 14,457,000 | 13,530,000 |
| Equity capital | 17,953,000 | 17,843,000 | 15,578,000 | 13,370,000 |
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 | 1,735,000 | 3,494,000 | 5,161,000 | 6,737,000 |
| Interest expense | 629,000 | 1,272,000 | 1,892,000 | 2,426,000 |
| Net interest income | 1,106,000 | 2,222,000 | 3,269,000 | 4,311,000 |
| Noninterest income | 54,000 | 266,000 | 352,000 | 409,000 |
| Noninterest expense | 1,085,000 | 2,282,000 | 4,419,000 | 6,077,000 |
| Provision for loan losses | 1,025,000 | 1,219,000 | 2,379,000 | 3,960,000 |
| Pretax income | -617,000 | -613,000 | -2,777,000 | -4,917,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -617,000 | -613,000 | -2,777,000 | -4,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,004,000 | 17,006,000 | 14,845,000 | 12,704,000 |
| Total capital | 18,153,000 | 18,138,000 | 15,865,000 | 13,713,000 |
| Risk-weighted assets | 89,138,000 | 87,686,000 | 79,768,000 | 79,269,000 |