Call reports 2015
HERITAGE BANK USA, INC. — 2015
What HERITAGE BANK USA, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 894,285,000 | 876,272,000 | 880,133,000 | 900,590,000 |
| Total loans | 556,961,000 | 562,810,000 | 572,299,000 | 564,841,000 |
| Allowance for loan losses | 6,170,000 | 5,534,000 | 5,487,000 | 5,700,000 |
| Securities available for sale | 259,866,000 | 247,673,000 | 239,923,000 | 237,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 728,001,000 | 718,311,000 | 707,275,000 | 740,019,000 |
| Interest-bearing deposits | 681,915,000 | 670,585,000 | 657,308,000 | 683,930,000 |
| Noninterest-bearing deposits | 46,086,000 | 47,726,000 | 49,967,000 | 56,089,000 |
| Equity capital | 99,044,000 | 97,371,000 | 96,383,000 | 95,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,248,000 | 17,261,000 | 25,348,000 | 33,429,000 |
| Interest expense | 1,449,000 | 2,877,000 | 4,325,000 | 5,812,000 |
| Net interest income | 7,799,000 | 14,384,000 | 21,023,000 | 27,617,000 |
| Noninterest income | 1,481,000 | 2,451,000 | 4,185,000 | 5,888,000 |
| Noninterest expense | 7,302,000 | 14,582,000 | 22,042,000 | 29,186,000 |
| Provision for loan losses | 215,000 | 485,000 | 760,000 | 1,051,000 |
| Pretax income | 2,129,000 | 2,217,000 | 2,958,000 | 3,959,000 |
| Income tax | 558,000 | 501,000 | 573,000 | 803,000 |
| Net income | 1,571,000 | 1,716,000 | 2,385,000 | 3,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,238,000 | 94,386,000 | 92,557,000 | 93,328,000 |
| Total capital | 100,408,000 | 99,920,000 | 98,044,000 | 99,028,000 |
| Risk-weighted assets | 576,026,000 | 581,635,000 | 582,164,000 | 578,401,000 |