Call reports 2009
HERITAGE BANK, THE — 2009
What HERITAGE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 839,552,000 | 996,506,000 | 987,968,000 | 982,012,000 |
| Total loans | 577,178,000 | 700,283,000 | 716,456,000 | 701,129,000 |
| Allowance for loan losses | 7,715,000 | 8,597,000 | 9,296,000 | 10,443,000 |
| Securities available for sale | 160,090,000 | 154,136,000 | 148,365,000 | 139,269,000 |
| Securities held to maturity | 1,420,000 | 1,420,000 | 4,101,000 | 10,714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 682,978,000 | 820,539,000 | 828,903,000 | 823,982,000 |
| Interest-bearing deposits | 579,275,000 | 720,204,000 | 732,649,000 | 733,015,000 |
| Noninterest-bearing deposits | 103,703,000 | 100,336,000 | 96,254,000 | 90,967,000 |
| Equity capital | 85,116,000 | 85,545,000 | 87,202,000 | 88,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,612,000 | 22,483,000 | 35,824,000 | 48,748,000 |
| Interest expense | 3,927,000 | 8,066,000 | 12,884,000 | 17,239,000 |
| Net interest income | 6,685,000 | 14,417,000 | 22,940,000 | 31,509,000 |
| Noninterest income | 3,970,000 | 8,244,000 | 12,677,000 | 17,006,000 |
| Noninterest expense | 7,816,000 | 16,927,000 | 26,217,000 | 34,233,000 |
| Provision for loan losses | 650,000 | 2,180,000 | 6,699,000 | 10,103,000 |
| Pretax income | 2,241,000 | 3,607,000 | 3,851,000 | 5,334,000 |
| Income tax | 762,000 | 1,208,000 | 1,251,000 | 1,038,000 |
| Net income | 1,479,000 | 2,399,000 | 2,600,000 | 4,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,350,000 | 68,306,000 | 69,828,000 | 71,845,000 |
| Total capital | 76,011,000 | 76,903,000 | 79,080,000 | 81,032,000 |
| Risk-weighted assets | 612,798,000 | 753,184,000 | 740,114,000 | 733,747,000 |