Call reports 2001
HERITAGE BANK — 2001
What HERITAGE BANK 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 | 246,015,000 | 263,568,000 | 288,937,000 | 297,068,000 |
| Total loans | 195,765,000 | 210,603,000 | 227,255,000 | 234,301,000 |
| Allowance for loan losses | 2,051,000 | 2,214,000 | 2,453,000 | 2,164,000 |
| Securities available for sale | 24,677,000 | 29,634,000 | 29,478,000 | 28,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,914,000 | 212,920,000 | 225,027,000 | 242,393,000 |
| Interest-bearing deposits | 175,477,000 | 175,326,000 | 183,855,000 | 201,161,000 |
| Noninterest-bearing deposits | 33,437,000 | 37,594,000 | 41,172,000 | 41,232,000 |
| Equity capital | 20,343,000 | 21,917,000 | 25,902,000 | 26,181,000 |
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 | 5,276,000 | 10,826,000 | 16,429,000 | 21,922,000 |
| Interest expense | 2,255,000 | 4,458,000 | 6,690,000 | 8,613,000 |
| Net interest income | 3,021,000 | 6,368,000 | 9,739,000 | 13,309,000 |
| Noninterest income | 461,000 | 969,000 | 1,565,000 | 2,269,000 |
| Noninterest expense | 2,439,000 | 5,131,000 | 7,862,000 | 10,897,000 |
| Provision for loan losses | 104,000 | 306,000 | 631,000 | 850,000 |
| Pretax income | 944,000 | 1,905,000 | 2,824,000 | 3,856,000 |
| Income tax | 304,000 | 613,000 | 905,000 | 1,184,000 |
| Net income | 640,000 | 1,292,000 | 1,919,000 | 2,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,068,000 | 21,863,000 | 25,643,000 | 26,133,000 |
| Total capital | 22,119,000 | 24,077,000 | 28,096,000 | 28,297,000 |
| Risk-weighted assets | 210,812,000 | 231,858,000 | 256,045,000 | 264,381,000 |