Call reports 2015
HERITAGE BANK, THE — 2015
What HERITAGE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 539,275,000 | 542,450,000 | 512,461,000 | 528,812,000 |
| Total loans | 296,043,000 | 293,388,000 | 283,858,000 | 270,041,000 |
| Allowance for loan losses | 7,473,000 | 7,783,000 | 7,527,000 | 7,434,000 |
| Securities available for sale | 118,090,000 | 103,587,000 | 100,563,000 | 95,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,788,000 | 514,657,000 | 484,604,000 | 502,062,000 |
| Interest-bearing deposits | 404,356,000 | 407,308,000 | 381,588,000 | 401,124,000 |
| Noninterest-bearing deposits | 105,432,000 | 107,349,000 | 103,016,000 | 100,938,000 |
| Equity capital | 27,792,000 | 23,898,000 | 26,193,000 | 24,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,255,000 | 8,481,000 | 12,708,000 | 16,736,000 |
| Interest expense | 558,000 | 1,106,000 | 1,578,000 | 2,028,000 |
| Net interest income | 3,697,000 | 7,375,000 | 11,130,000 | 14,708,000 |
| Noninterest income | 2,879,000 | 5,860,000 | 8,879,000 | 11,430,000 |
| Noninterest expense | 5,568,000 | 11,133,000 | 16,755,000 | 22,567,000 |
| Provision for loan losses | 2,700,000 | 4,900,000 | 5,500,000 | 6,100,000 |
| Pretax income | -1,691,000 | -2,789,000 | -2,221,000 | -2,503,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,691,000 | -2,789,000 | -2,221,000 | -2,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,954,000 | 26,906,000 | 27,524,000 | 27,292,000 |
| Total capital | 32,387,000 | 31,631,000 | 32,063,000 | 31,670,000 |
| Risk-weighted assets | 351,654,000 | 374,944,000 | 360,171,000 | 347,176,000 |