Call reports 2003
HERITAGE BANK, THE — 2003
What HERITAGE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 245,892,000 | 248,975,000 | 285,690,000 | 280,425,000 |
| Total loans | 134,298,000 | 138,293,000 | 176,609,000 | 174,527,000 |
| Allowance for loan losses | 2,395,000 | 2,555,000 | 2,982,000 | 3,097,000 |
| Securities available for sale | 55,715,000 | 51,305,000 | 59,253,000 | 55,489,000 |
| Securities held to maturity | 9,473,000 | 8,435,000 | 6,319,000 | 5,575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,155,000 | 218,493,000 | 247,435,000 | 245,629,000 |
| Interest-bearing deposits | 167,934,000 | 165,962,000 | 196,125,000 | 197,720,000 |
| Noninterest-bearing deposits | 43,222,000 | 52,530,000 | 51,311,000 | 47,909,000 |
| Equity capital | 30,721,000 | 26,683,000 | 30,814,000 | 31,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,171,000 | 6,295,000 | 9,385,000 | 13,276,000 |
| Interest expense | 755,000 | 1,466,000 | 2,139,000 | 3,158,000 |
| Net interest income | 2,416,000 | 4,829,000 | 7,246,000 | 10,118,000 |
| Noninterest income | 3,203,000 | 6,419,000 | 9,964,000 | 13,907,000 |
| Noninterest expense | 4,052,000 | 7,408,000 | 11,126,000 | 15,417,000 |
| Provision for loan losses | 369,000 | 742,000 | 1,119,000 | 1,992,000 |
| Pretax income | 1,198,000 | 3,098,000 | 4,965,000 | 6,616,000 |
| Income tax | 323,000 | 836,000 | 1,340,000 | 1,848,000 |
| Net income | 875,000 | 2,262,000 | 3,625,000 | 4,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,227,000 | 23,228,000 | 27,887,000 | 28,712,000 |
| Total capital | 29,290,000 | 25,337,000 | 30,460,000 | 31,263,000 |
| Risk-weighted assets | 164,734,000 | 168,238,000 | 205,408,000 | 203,513,000 |
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