Call reports 2001
HERITAGE BANK EAST BAY — 2001
What HERITAGE BANK EAST BAY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 105,782,000 | 113,205,000 | 132,075,000 | 132,408,000 |
| Total loans | 72,074,000 | 75,655,000 | 81,127,000 | 84,866,000 |
| Allowance for loan losses | 1,035,000 | 1,130,000 | 1,172,000 | 1,258,000 |
| Securities available for sale | 13,984,000 | 10,270,000 | 16,961,000 | 28,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,121,000 | 96,320,000 | 119,579,000 | 120,068,000 |
| Interest-bearing deposits | 91,601,000 | 90,290,000 | 107,856,000 | 98,673,000 |
| Noninterest-bearing deposits | 4,520,000 | 6,030,000 | 11,723,000 | 21,395,000 |
| Equity capital | 8,917,000 | 9,471,000 | 11,389,000 | 11,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,964,000 | 3,979,000 | 5,973,000 | 7,804,000 |
| Interest expense | 777,000 | 1,580,000 | 2,379,000 | 3,119,000 |
| Net interest income | 1,187,000 | 2,399,000 | 3,594,000 | 4,685,000 |
| Noninterest income | 51,000 | 106,000 | 161,000 | 216,000 |
| Noninterest expense | 1,025,000 | 2,118,000 | 3,204,000 | 4,167,000 |
| Provision for loan losses | 65,000 | 160,000 | 202,000 | 288,000 |
| Pretax income | 148,000 | 301,000 | 422,000 | 519,000 |
| Income tax | 60,000 | 115,000 | 162,000 | 196,000 |
| Net income | 88,000 | 186,000 | 260,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,332,000 | 8,940,000 | 10,773,000 | 10,847,000 |
| Total capital | 9,367,000 | 10,070,000 | 11,945,000 | 12,105,000 |
| Risk-weighted assets | 89,139,000 | 91,021,000 | 101,015,000 | 104,691,000 |