Call reports 2005
HERITAGE BANK — 2005
What HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 433,255,000 | 441,472,000 | 457,008,000 | 456,375,000 |
| Total loans | 301,444,000 | 311,264,000 | 323,785,000 | 325,232,000 |
| Allowance for loan losses | 3,461,000 | 3,661,000 | 3,447,000 | 3,088,000 |
| Securities available for sale | 81,690,000 | 80,026,000 | 82,519,000 | 79,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,641,000 | 342,744,000 | 340,879,000 | 352,951,000 |
| Interest-bearing deposits | 286,886,000 | 282,983,000 | 277,463,000 | 289,312,000 |
| Noninterest-bearing deposits | 55,755,000 | 59,761,000 | 63,416,000 | 63,639,000 |
| Equity capital | 31,541,000 | 32,389,000 | 33,904,000 | 34,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,217,000 | 12,891,000 | 20,104,000 | 27,663,000 |
| Interest expense | 1,897,000 | 4,124,000 | 6,706,000 | 9,590,000 |
| Net interest income | 4,320,000 | 8,767,000 | 13,398,000 | 18,073,000 |
| Noninterest income | 767,000 | 1,707,000 | 2,212,000 | 2,477,000 |
| Noninterest expense | 4,183,000 | 8,726,000 | 13,208,000 | 17,776,000 |
| Provision for loan losses | 299,000 | 506,000 | 831,000 | 953,000 |
| Pretax income | 975,000 | 1,612,000 | 1,941,000 | 2,191,000 |
| Income tax | 252,000 | 387,000 | 403,000 | 389,000 |
| Net income | 723,000 | 1,225,000 | 1,538,000 | 1,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,318,000 | 32,698,000 | 34,426,000 | 35,094,000 |
| Total capital | 35,779,000 | 36,359,000 | 37,873,000 | 38,182,000 |
| Risk-weighted assets | 350,442,000 | 360,186,000 | 372,928,000 | 375,059,000 |