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Heritage Bank, National Association

Doniphan, NE · Cert 57106

FDIC

Q3 2002

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: Q3 2002, the quarter ended September 30, 2002, 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, National Association

Doniphan, NE · Cert 57106

FDIC

Q3 2002

$5.5MAssets
$5.3MLoans
$2.9MDeposits
$2.2MEquity
Loan mix
87%RE $1.9M13%C&I $0.3M0%Consumer $0.0MQ3 2001Q3 2002
Deposit mix
94%Interest-bearing $2.7M6%Noninterest $0.2MQ3 2001Q3 2002

NIM

7.74%Q1 ’017.84%Q3 ’017.89%Q3 ’02+4%+7%

Non-interest income vs. expense

3.52%Q1 ’013.90%Q3 ’014.15%Q3 ’02+16%-7%

Executive Summary

  • Earnings: ROA of 3.48%, up 312 bps year over year; NIM at 6.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 181.00% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

3.48%+312 bps YoY

Net Interest Margin (YTD, annualized)

6.66%+43 bps YoY

Efficiency Ratio (YTD, annualized)

54.09%-380 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.36%0.80%2.64%3.28%3.48%+312 bps
Return on Equityn/an/a5.85%7.44%8.15%n/a
Net Interest Margin6.23%6.19%6.34%6.17%6.66%+43 bps
Efficiency Ratio57.89%60.56%62.03%53.61%54.09%-380 bps
Non-Interest Burden3.39%3.55%3.70%2.87%3.14%-25 bps
Growth
Asset Growth (YoY)n/an/a29.79%19.03%35.68%n/a
Loan Growth (YoY)n/an/a34.00%15.16%36.39%n/a
Deposit Growth (YoY)n/an/a61.64%60.74%50.91%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.00%2.07%1.71%1.71%1.46%-53 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital52.94%55.32%47.49%49.07%42.38%-1,056 bps
Equity / Assets49.31%46.43%43.89%42.37%39.09%-1,022 bps
Liquidity & Funding
Loans / Deposits200%158.75%174.98%156.94%181.00%-1,926 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a