Call reports 2001
HERITAGE BANK OF COMMERCE — 2001
What HERITAGE BANK OF COMMERCE 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 | 475,855,000 | 461,160,000 | 459,708,000 | 464,665,000 |
| Total loans | 343,780,000 | 359,224,000 | 348,803,000 | 342,882,000 |
| Allowance for loan losses | 6,177,000 | 6,050,000 | 6,209,000 | 6,450,000 |
| Securities available for sale | 20,494,000 | 10,175,000 | 10,470,000 | 17,102,000 |
| Securities held to maturity | 11,899,000 | 11,886,000 | 10,942,000 | 10,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,340,000 | 409,579,000 | 404,888,000 | 407,923,000 |
| Interest-bearing deposits | 403,218,000 | 386,373,000 | 359,435,000 | 354,203,000 |
| Noninterest-bearing deposits | 26,122,000 | 23,206,000 | 45,453,000 | 53,720,000 |
| Equity capital | 41,156,000 | 42,839,000 | 44,868,000 | 45,934,000 |
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 | 9,682,000 | 18,588,000 | 26,707,000 | 33,745,000 |
| Interest expense | 3,707,000 | 6,793,000 | 9,516,000 | 12,001,000 |
| Net interest income | 5,975,000 | 11,795,000 | 17,191,000 | 21,744,000 |
| Noninterest income | 750,000 | 1,626,000 | 2,946,000 | 4,043,000 |
| Noninterest expense | 3,597,000 | 7,530,000 | 11,354,000 | 14,839,000 |
| Provision for loan losses | 250,000 | 505,000 | 656,000 | 991,000 |
| Pretax income | 3,009,000 | 5,774,000 | 8,515,000 | 10,345,000 |
| Income tax | 1,140,000 | 2,195,000 | 3,235,000 | 3,919,000 |
| Net income | 1,869,000 | 3,579,000 | 5,280,000 | 6,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,987,000 | 42,653,000 | 44,335,000 | 45,460,000 |
| Total capital | 46,283,000 | 47,688,000 | 49,240,000 | 50,441,000 |
| Risk-weighted assets | 422,771,000 | 401,759,000 | 391,115,000 | 397,015,000 |