Call reports 2002
HERITAGE BANK OF COMMERCE — 2002
What HERITAGE BANK OF COMMERCE 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 | 478,922,000 | 477,923,000 | 487,568,000 | 493,775,000 |
| Total loans | 354,015,000 | 352,994,000 | 351,072,000 | 362,155,000 |
| Allowance for loan losses | 6,834,000 | 6,773,000 | 7,127,000 | 7,657,000 |
| Securities available for sale | 13,258,000 | 17,479,000 | 23,024,000 | 40,102,000 |
| Securities held to maturity | 9,996,000 | 9,491,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,532,000 | 422,080,000 | 427,965,000 | 432,178,000 |
| Interest-bearing deposits | 363,109,000 | 369,960,000 | 358,702,000 | 343,879,000 |
| Noninterest-bearing deposits | 61,423,000 | 52,120,000 | 69,263,000 | 88,299,000 |
| Equity capital | 47,002,000 | 48,342,000 | 50,371,000 | 51,807,000 |
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 | 6,442,000 | 13,106,000 | 19,547,000 | 26,077,000 |
| Interest expense | 2,056,000 | 4,069,000 | 5,797,000 | 7,295,000 |
| Net interest income | 4,386,000 | 9,037,000 | 13,750,000 | 18,782,000 |
| Noninterest income | 1,086,000 | 2,385,000 | 3,795,000 | 5,533,000 |
| Noninterest expense | 3,530,000 | 7,373,000 | 11,300,000 | 15,481,000 |
| Provision for loan losses | 371,000 | 614,000 | 874,000 | 1,189,000 |
| Pretax income | 1,846,000 | 3,710,000 | 5,689,000 | 7,980,000 |
| Income tax | 643,000 | 1,265,000 | 1,900,000 | 2,640,000 |
| Net income | 1,203,000 | 2,445,000 | 3,789,000 | 5,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,660,000 | 47,916,000 | 49,214,000 | 50,749,000 |
| Total capital | 51,719,000 | 52,994,000 | 54,293,000 | 56,182,000 |
| Risk-weighted assets | 402,947,000 | 404,534,000 | 404,276,000 | 432,453,000 |