Call reports 2001
HERITAGE BANK, THE — 2001
What HERITAGE BANK, THE 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 | 231,846,000 | 233,254,000 | 220,692,000 | 216,445,000 |
| Total loans | 123,985,000 | 124,248,000 | 126,328,000 | 126,030,000 |
| Allowance for loan losses | 2,053,000 | 1,741,000 | 1,496,000 | 1,968,000 |
| Securities available for sale | 40,210,000 | 39,927,000 | 43,924,000 | 40,843,000 |
| Securities held to maturity | 11,546,000 | 10,394,000 | 10,298,000 | 10,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,930,000 | 202,146,000 | 187,248,000 | 185,970,000 |
| Interest-bearing deposits | 164,305,000 | 163,209,000 | 154,754,000 | 150,194,000 |
| Noninterest-bearing deposits | 37,625,000 | 38,937,000 | 32,494,000 | 35,776,000 |
| Equity capital | 26,273,000 | 27,117,000 | 28,433,000 | 27,195,000 |
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 | 4,283,000 | 8,326,000 | 12,192,000 | 15,905,000 |
| Interest expense | 1,860,000 | 3,523,000 | 4,995,000 | 6,241,000 |
| Net interest income | 2,423,000 | 4,803,000 | 7,197,000 | 9,664,000 |
| Noninterest income | 1,831,000 | 3,992,000 | 6,101,000 | 8,573,000 |
| Noninterest expense | 3,187,000 | 6,236,000 | 9,107,000 | 11,987,000 |
| Provision for loan losses | 297,000 | 597,000 | 901,000 | 1,622,000 |
| Pretax income | 770,000 | 1,962,000 | 3,290,000 | 4,628,000 |
| Income tax | 216,000 | 548,000 | 919,000 | 1,144,000 |
| Net income | 554,000 | 1,414,000 | 2,371,000 | 3,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,238,000 | 23,172,000 | 24,205,000 | 23,492,000 |
| Total capital | 24,149,000 | 24,913,000 | 25,701,000 | 25,418,000 |
| Risk-weighted assets | 152,708,000 | 154,444,000 | 153,889,000 | 154,057,000 |