Call reports 2014
HERITAGE BANK, THE — 2014
What HERITAGE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 585,937,000 | 550,889,000 | 526,723,000 | 540,320,000 |
| Total loans | 335,420,000 | 325,274,000 | 315,949,000 | 302,736,000 |
| Allowance for loan losses | 12,590,000 | 12,171,000 | 11,857,000 | 7,488,000 |
| Securities available for sale | 92,191,000 | 101,847,000 | 108,791,000 | 108,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 562,641,000 | 525,105,000 | 499,408,000 | 509,863,000 |
| Interest-bearing deposits | 463,780,000 | 424,526,000 | 399,199,000 | 415,496,000 |
| Noninterest-bearing deposits | 98,861,000 | 100,579,000 | 100,209,000 | 94,367,000 |
| Equity capital | 21,361,000 | 23,521,000 | 24,990,000 | 28,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,057,000 | 9,934,000 | 14,715,000 | 19,220,000 |
| Interest expense | 861,000 | 1,640,000 | 2,247,000 | 2,836,000 |
| Net interest income | 4,196,000 | 8,294,000 | 12,468,000 | 16,384,000 |
| Noninterest income | 3,002,000 | 6,004,000 | 9,072,000 | 12,183,000 |
| Noninterest expense | 6,191,000 | 12,292,000 | 18,675,000 | 24,222,000 |
| Provision for loan losses | 0 | 0 | 0 | 500,000 |
| Pretax income | 1,007,000 | 2,006,000 | 2,865,000 | 3,845,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,007,000 | 2,006,000 | 2,865,000 | 3,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,681,000 | 26,809,000 | 27,797,000 | 28,905,000 |
| Total capital | 30,516,000 | 31,525,000 | 32,400,000 | 33,322,000 |
| Risk-weighted assets | 379,028,000 | 369,809,000 | 361,009,000 | 350,317,000 |