PackageTrendsPeer
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Heritage Bank

Decatur, AL · Cert 34015

FDIC

Q4 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2004, the quarter ended December 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Heritage Bank

Decatur, AL · Cert 34015

FDIC

Q4 2004

$540.8MAssets
$416.9MLoans
$381.0MDeposits
$45.1MEquity
Loan mix
61%RE $159.5M39%C&I $102.3M0%Consumer $0.0MQ1 2003Q4 2004
Deposit mix
93%Interest-bearing $355.3M7%Noninterest $25.7MQ1 2003Q4 2004

Return on Assets (YTD, annualized)

0.02%1-37 bps YoY

Net Interest Margin (YTD, annualized)

3.32%-24 bps YoY

Efficiency Ratio (YTD, annualized)

87.52%-484 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.50%Q4 ’026.29%Q4 ’035.43%Q4 ’04+8%-7%

Non-interest income vs. expense

1.96%Q4 ’023.64%Q4 ’033.66%Q4 ’04+98%-14%

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Return on Assets0.53%0.55%0.49%0.39%0.63%0.78%0.63%0.02%1-37 bps
Net Interest Margin3.38%3.51%3.67%3.56%3.19%3.22%3.29%3.32%-24 bps
Non-Interest Burden2.62%2.84%3.04%3.26%2.81%2.53%2.47%2.80%-46 bps
Loan Growth (YoY)-6.76%-14.73%-27.41%-26.91%-18.33%-11.91%1.52%6.38%+3,329 bps
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans5.06%4.72%4.47%3.72%3.16%2.76%2.43%2.57%-115 bps
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Equity / Assets7.94%8.47%8.98%8.82%8.81%8.60%8.82%8.33%-49 bps
Liquid Assets / Assets0.02%0.00%0.01%0.02%0.15%0.15%0.08%0.10%+7 bps