Call reports 2005
HERITAGE BANK, THE — 2005
What HERITAGE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 311,739,000 | 308,476,000 | 309,234,000 | 308,842,000 |
| Total loans | 171,173,000 | 176,326,000 | 183,639,000 | 183,558,000 |
| Allowance for loan losses | 4,783,000 | 5,203,000 | 4,153,000 | 4,475,000 |
| Securities available for sale | 67,596,000 | 77,711,000 | 74,776,000 | 60,422,000 |
| Securities held to maturity | 5,795,000 | 5,466,000 | 5,318,000 | 5,291,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,234,000 | 276,353,000 | 268,345,000 | 284,245,000 |
| Interest-bearing deposits | 217,396,000 | 215,911,000 | 203,397,000 | 208,352,000 |
| Noninterest-bearing deposits | 63,838,000 | 60,442,000 | 64,948,000 | 75,893,000 |
| Equity capital | 28,872,000 | 30,264,000 | 32,083,000 | 22,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,382,000 | 9,009,000 | 13,862,000 | 19,018,000 |
| Interest expense | 1,012,000 | 2,150,000 | 3,301,000 | 4,608,000 |
| Net interest income | 3,370,000 | 6,859,000 | 10,561,000 | 14,410,000 |
| Noninterest income | 3,487,000 | 6,906,000 | 10,217,000 | 13,479,000 |
| Noninterest expense | 4,227,000 | 9,055,000 | 13,836,000 | 19,343,000 |
| Provision for loan losses | 462,000 | 974,000 | 56,000 | 122,000 |
| Pretax income | 2,168,000 | 3,736,000 | 6,886,000 | 8,424,000 |
| Income tax | 675,000 | 1,208,000 | 2,279,000 | 2,661,000 |
| Net income | 1,493,000 | 2,528,000 | 4,607,000 | 5,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,104,000 | 28,213,000 | 30,367,000 | 21,598,000 |
| Total capital | 29,680,000 | 30,805,000 | 33,017,000 | 24,223,000 |
| Risk-weighted assets | 203,886,000 | 204,786,000 | 210,526,000 | 208,175,000 |