Call reports 2004
HERITAGE BANK — 2004
What HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 389,629,000 | 391,622,000 | 411,023,000 | 419,240,000 |
| Total loans | 286,737,000 | 281,759,000 | 294,406,000 | 290,039,000 |
| Allowance for loan losses | 2,890,000 | 2,849,000 | 2,918,000 | 3,553,000 |
| Securities available for sale | 57,401,000 | 63,810,000 | 71,298,000 | 80,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,218,000 | 330,449,000 | 341,354,000 | 344,255,000 |
| Interest-bearing deposits | 261,198,000 | 274,325,000 | 282,998,000 | 283,421,000 |
| Noninterest-bearing deposits | 57,020,000 | 56,124,000 | 58,356,000 | 60,834,000 |
| Equity capital | 32,207,000 | 31,214,000 | 32,732,000 | 32,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,767,000 | 11,467,000 | 17,409,000 | 23,428,000 |
| Interest expense | 1,346,000 | 2,757,000 | 4,305,000 | 5,951,000 |
| Net interest income | 4,421,000 | 8,710,000 | 13,104,000 | 17,477,000 |
| Noninterest income | 781,000 | 1,757,000 | 2,850,000 | 3,674,000 |
| Noninterest expense | 4,078,000 | 8,352,000 | 12,510,000 | 16,774,000 |
| Provision for loan losses | 110,000 | 403,000 | 1,047,000 | 2,045,000 |
| Pretax income | 1,221,000 | 1,919,000 | 2,614,000 | 2,300,000 |
| Income tax | 345,000 | 518,000 | 673,000 | 433,000 |
| Net income | 876,000 | 1,401,000 | 1,941,000 | 1,867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,515,000 | 31,868,000 | 32,106,000 | 31,897,000 |
| Total capital | 34,405,000 | 34,717,000 | 35,024,000 | 35,450,000 |
| Risk-weighted assets | 326,196,000 | 323,037,000 | 336,572,000 | 338,594,000 |