Call reports 2012
HERITAGE BANK, THE — 2012
What HERITAGE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 859,069,000 | 814,278,000 | 741,911,000 | 697,339,000 |
| Total loans | 517,158,000 | 493,396,000 | 464,993,000 | 426,004,000 |
| Allowance for loan losses | 22,439,000 | 19,316,000 | 18,324,000 | 17,599,000 |
| Securities available for sale | 83,590,000 | 81,635,000 | 101,557,000 | 97,842,000 |
| Securities held to maturity | 450,000 | 450,000 | 230,000 | 230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 789,743,000 | 765,194,000 | 696,144,000 | 653,863,000 |
| Interest-bearing deposits | 682,119,000 | 651,780,000 | 592,538,000 | 552,032,000 |
| Noninterest-bearing deposits | 107,624,000 | 113,414,000 | 103,606,000 | 101,831,000 |
| Equity capital | 30,057,000 | 29,016,000 | 25,827,000 | 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 | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,677,000 | 15,465,000 | 22,065,000 | 28,844,000 |
| Interest expense | 2,567,000 | 4,806,000 | 6,860,000 | 8,683,000 |
| Net interest income | 5,110,000 | 10,659,000 | 15,205,000 | 20,161,000 |
| Noninterest income | 3,356,000 | 5,393,000 | 7,442,000 | 7,468,000 |
| Noninterest expense | 8,298,000 | 16,449,000 | 23,576,000 | 31,588,000 |
| Provision for loan losses | 3,000,000 | 4,000,000 | 6,850,000 | 6,850,000 |
| Pretax income | -2,832,000 | -4,397,000 | -7,227,000 | -10,257,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,832,000 | -4,397,000 | -7,227,000 | -10,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,065,000 | 25,705,000 | 23,079,000 | 20,254,000 |
| Total capital | 34,034,000 | 32,288,000 | 29,441,000 | 26,149,000 |
| Risk-weighted assets | 542,037,000 | 513,874,000 | 497,033,000 | 459,910,000 |