Call reports 2004
HERITAGE BANK, THE — 2004
What HERITAGE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 291,387,000 | 293,669,000 | 298,878,000 | 291,072,000 |
| Total loans | 175,276,000 | 178,183,000 | 181,145,000 | 169,821,000 |
| Allowance for loan losses | 3,721,000 | 3,979,000 | 3,854,000 | 4,360,000 |
| Securities available for sale | 63,392,000 | 69,201,000 | 65,103,000 | 60,799,000 |
| Securities held to maturity | 5,540,000 | 5,362,000 | 5,237,000 | 5,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,987,000 | 257,639,000 | 252,050,000 | 256,695,000 |
| Interest-bearing deposits | 201,779,000 | 202,638,000 | 198,942,000 | 201,443,000 |
| Noninterest-bearing deposits | 52,208,000 | 55,001,000 | 53,108,000 | 55,252,000 |
| Equity capital | 33,510,000 | 30,210,000 | 32,286,000 | 32,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,972,000 | 7,907,000 | 12,026,000 | 17,716,000 |
| Interest expense | 905,000 | 1,770,000 | 2,669,000 | 3,597,000 |
| Net interest income | 3,067,000 | 6,137,000 | 9,357,000 | 14,119,000 |
| Noninterest income | 3,593,000 | 7,853,000 | 11,896,000 | 14,386,000 |
| Noninterest expense | 4,068,000 | 8,235,000 | 12,892,000 | 17,083,000 |
| Provision for loan losses | 419,000 | 837,000 | 1,260,000 | 2,611,000 |
| Pretax income | 2,173,000 | 4,918,000 | 7,101,000 | 8,811,000 |
| Income tax | 641,000 | 1,437,000 | 2,070,000 | 2,924,000 |
| Net income | 1,532,000 | 3,481,000 | 5,031,000 | 5,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,318,000 | 28,052,000 | 29,676,000 | 30,608,000 |
| Total capital | 32,920,000 | 30,674,000 | 32,353,000 | 33,145,000 |
| Risk-weighted assets | 207,010,000 | 208,443,000 | 212,972,000 | 201,098,000 |
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