Call reports 2006
HERITAGE BANK — 2006
What HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 449,472,000 | 451,258,000 | 448,566,000 | 435,050,000 |
| Total loans | 322,729,000 | 328,125,000 | 328,339,000 | 313,720,000 |
| Allowance for loan losses | 3,124,000 | 2,937,000 | 2,909,000 | 4,086,000 |
| Securities available for sale | 74,063,000 | 70,104,000 | 69,984,000 | 68,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,556,000 | 377,292,000 | 372,217,000 | 370,924,000 |
| Interest-bearing deposits | 304,652,000 | 320,026,000 | 316,611,000 | 310,085,000 |
| Noninterest-bearing deposits | 65,904,000 | 57,266,000 | 55,606,000 | 60,839,000 |
| Equity capital | 34,526,000 | 34,468,000 | 34,294,000 | 34,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,393,000 | 15,229,000 | 23,321,000 | 31,301,000 |
| Interest expense | 3,089,000 | 6,439,000 | 10,028,000 | 13,496,000 |
| Net interest income | 4,304,000 | 8,790,000 | 13,293,000 | 17,805,000 |
| Noninterest income | 899,000 | 1,757,000 | 84,000 | 814,000 |
| Noninterest expense | 4,453,000 | 8,751,000 | 13,037,000 | 17,429,000 |
| Provision for loan losses | 255,000 | 529,000 | 866,000 | 2,457,000 |
| Pretax income | 651,000 | 1,436,000 | -357,000 | -1,098,000 |
| Income tax | 140,000 | 334,000 | -427,000 | -794,000 |
| Net income | 511,000 | 1,102,000 | 70,000 | -304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,592,000 | 36,159,000 | 35,441,000 | 35,096,000 |
| Total capital | 38,716,000 | 39,096,000 | 38,350,000 | 39,182,000 |
| Risk-weighted assets | 372,903,000 | 378,544,000 | 377,982,000 | 364,582,000 |