Call reports 2002
HERITAGE BANK — 2002
What HERITAGE BANK 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 | 319,200,000 | 329,272,000 | 357,343,000 | 386,362,000 |
| Total loans | 253,235,000 | 259,561,000 | 275,733,000 | 268,548,000 |
| Allowance for loan losses | 2,259,000 | 2,488,000 | 2,373,000 | 2,394,000 |
| Securities available for sale | 32,934,000 | 33,085,000 | 42,056,000 | 51,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,152,000 | 263,096,000 | 291,876,000 | 323,161,000 |
| Interest-bearing deposits | 201,101,000 | 216,992,000 | 241,952,000 | 273,754,000 |
| Noninterest-bearing deposits | 41,051,000 | 46,104,000 | 49,924,000 | 49,407,000 |
| Equity capital | 26,768,000 | 27,893,000 | 28,987,000 | 29,645,000 |
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 | 5,334,000 | 11,113,000 | 17,015,000 | 22,981,000 |
| Interest expense | 1,742,000 | 3,457,000 | 5,246,000 | 7,141,000 |
| Net interest income | 3,592,000 | 7,656,000 | 11,769,000 | 15,840,000 |
| Noninterest income | 656,000 | 1,310,000 | 1,992,000 | 2,854,000 |
| Noninterest expense | 3,129,000 | 6,563,000 | 10,458,000 | 14,506,000 |
| Provision for loan losses | 114,000 | 350,000 | 687,000 | 1,218,000 |
| Pretax income | 1,006,000 | 2,068,000 | 2,649,000 | 3,003,000 |
| Income tax | 320,000 | 661,000 | 803,000 | 802,000 |
| Net income | 686,000 | 1,407,000 | 1,846,000 | 2,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,954,000 | 27,568,000 | 28,283,000 | 29,150,000 |
| Total capital | 29,213,000 | 30,056,000 | 30,656,000 | 31,544,000 |
| Risk-weighted assets | 282,217,000 | 289,924,000 | 304,161,000 | 307,889,000 |