Call reports 2019
HERITAGE BANK USA, INC. — 2019
What HERITAGE BANK USA, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 |
|---|---|---|
| Total assets | 930,260,000 | 932,176,000 |
| Total loans | 671,545,000 | 674,809,000 |
| Allowance for loan losses | 4,553,000 | 4,579,000 |
| Securities available for sale | 172,206,000 | 176,103,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 742,742,000 | 736,664,000 |
| Interest-bearing deposits | 659,426,000 | 648,092,000 |
| Noninterest-bearing deposits | 83,316,000 | 88,572,000 |
| Equity capital | 99,151,000 | 102,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 |
|---|---|---|
| Interest income | 9,588,000 | 19,810,000 |
| Interest expense | 2,598,000 | 5,455,000 |
| Net interest income | 6,990,000 | 14,355,000 |
| Noninterest income | 1,637,000 | 3,576,000 |
| Noninterest expense | 7,232,000 | 14,533,000 |
| Provision for loan losses | 60,000 | 102,000 |
| Pretax income | 1,335,000 | 3,296,000 |
| Income tax | 158,000 | 464,000 |
| Net income | 1,177,000 | 2,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 |
|---|---|---|
| Tier 1 capital | 97,980,000 | 100,435,000 |
| Total capital | 102,533,000 | 105,014,000 |
| Risk-weighted assets | 688,842,000 | 697,259,000 |