Call reports 2012
HERITAGE BANK USA, INC. — 2012
What HERITAGE BANK USA, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,036,292,000 | 1,009,326,000 | 980,539,000 | 964,517,000 |
| Total loans | 561,168,000 | 550,883,000 | 552,775,000 | 535,629,000 |
| Allowance for loan losses | 10,609,000 | 10,567,000 | 10,490,000 | 10,648,000 |
| Securities available for sale | 394,606,000 | 392,276,000 | 348,877,000 | 356,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 814,439,000 | 786,455,000 | 769,896,000 | 760,261,000 |
| Interest-bearing deposits | 782,241,000 | 755,292,000 | 733,122,000 | 723,330,000 |
| Noninterest-bearing deposits | 32,198,000 | 31,163,000 | 36,774,000 | 36,931,000 |
| Equity capital | 112,839,000 | 115,915,000 | 118,338,000 | 113,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 10,848,000 | 21,321,000 | 31,416,000 | 41,210,000 |
| Interest expense | 3,704,000 | 7,262,000 | 11,155,000 | 14,143,000 |
| Net interest income | 7,144,000 | 14,059,000 | 20,261,000 | 27,067,000 |
| Noninterest income | 1,561,000 | 3,366,000 | 5,127,000 | 7,140,000 |
| Noninterest expense | 6,832,000 | 13,890,000 | 20,644,000 | 27,456,000 |
| Provision for loan losses | 869,000 | 1,269,000 | 1,775,000 | 2,275,000 |
| Pretax income | 1,048,000 | 2,952,000 | 4,599,000 | 6,159,000 |
| Income tax | 173,000 | 634,000 | 1,003,000 | 1,184,000 |
| Net income | 875,000 | 2,318,000 | 3,596,000 | 4,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,112,000 | 105,621,000 | 106,947,000 | 102,375,000 |
| Total capital | 111,673,000 | 113,033,000 | 114,229,000 | 109,602,000 |
| Risk-weighted assets | 601,810,000 | 589,900,000 | 579,312,000 | 574,769,000 |