Call reports 2002
HERITAGE BANK EAST BAY — 2002
What HERITAGE BANK EAST BAY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 125,621,000 | 120,619,000 | 146,700,000 | 134,330,000 |
| Total loans | 83,331,000 | 83,612,000 | 90,418,000 | 92,362,000 |
| Allowance for loan losses | 1,045,000 | 1,233,000 | 1,338,000 | 1,403,000 |
| Securities available for sale | 22,082,000 | 21,503,000 | 18,212,000 | 24,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,278,000 | 108,484,000 | 134,088,000 | 121,290,000 |
| Interest-bearing deposits | 100,013,000 | 90,900,000 | 106,237,000 | 101,069,000 |
| Noninterest-bearing deposits | 13,265,000 | 17,584,000 | 27,851,000 | 20,221,000 |
| Equity capital | 11,289,000 | 11,532,000 | 11,699,000 | 11,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,712,000 | 3,354,000 | 5,103,000 | 6,876,000 |
| Interest expense | 555,000 | 997,000 | 1,461,000 | 1,900,000 |
| Net interest income | 1,157,000 | 2,357,000 | 3,642,000 | 4,976,000 |
| Noninterest income | 58,000 | 119,000 | 183,000 | 239,000 |
| Noninterest expense | 1,035,000 | 2,076,000 | 3,174,000 | 4,443,000 |
| Provision for loan losses | 110,000 | 298,000 | 403,000 | 466,000 |
| Pretax income | 81,000 | 252,000 | 436,000 | 573,000 |
| Income tax | 27,000 | 82,000 | 142,000 | 196,000 |
| Net income | 54,000 | 170,000 | 294,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,910,000 | 11,036,000 | 11,170,000 | 11,263,000 |
| Total capital | 11,955,000 | 12,269,000 | 12,508,000 | 12,666,000 |
| Risk-weighted assets | 103,310,000 | 102,470,000 | 113,070,000 | 112,487,000 |