HTBK · As filed with the SEC

Heritage Commerce income statement, by quarter

The statement as Heritage Commerce presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.

CONSOLIDATED STATEMENTS OF INCOME · USD thousands, except per-share amounts

USD thousands, except per-share amounts	Q4 2025^† 3 months ended Dec 31, 2025	Q3 2025 3 months ended Sep 30, 2025	Q2 2025 3 months ended Jun 30, 2025	Q1 2025 3 months ended Mar 31, 2025
Interest income:
Loans, including fees	50,713^†	50,130	49,278	46,702
Securities, taxable	8,400^†	6,146	6,346	5,559
Securities, exempt from Federal tax	195^†	203	215	217
Other investments, interest-bearing deposits in other financial institutions and Federal funds sold	7,740^†	8,615	7,186	9,354
Total interest income	67,048^†	65,094	63,025	61,832
Interest expense:
Deposits	16,087^†	17,769	17,682	17,935
Subordinated debt	539^†	537	538	537
Total interest expense	16,626^†	18,306	18,220	18,472
Net interest income before provision for credit losses on loans	50,422^†	46,788	44,805	43,360
Provision for credit losses on loans	610^†	416	516	274
Net interest income after provision for credit losses on loans	49,812^†	46,372	44,289	43,086
Noninterest income:
Service charges and fees on deposit accounts	969^†	898	929	892
FHLB and FRB stock dividends	592^†	587	584	590
Increase in cash surrender value of life insurance	563^†	564	548	538
Termination fees	121^†	0	227	87
Servicing income	82^†	77	61	82
Gain on sales of SBA loans	30^†	0	87	98
Gain on proceeds from company owned life insurance	0^†	0	0	—
Other	842^†	1,091	541	409
Total noninterest income	3,199^†	3,217	2,977	2,696
Noninterest expense:
Salaries and employee benefits	16,787^†	16,948	16,227	16,575
Occupancy and equipment	2,357^†	2,528	2,525	2,534
Professional fees	1,659^†	1,175	1,819	1,580
Other	10,239^†	8,375	17,764	8,767
Total noninterest expense	31,042^†	29,026	38,335	29,456
Income before income taxes	21,969^†	20,563	8,931	16,326
Income tax expense	6,852^†	5,865	2,542	4,700
Net income	15,117^†	14,698	6,389	11,626
Earnings per common share:
Basic (in dollars per share)	—	0.24	0.10	0.19
Diluted (in dollars per share)	—	0.24	0.10	0.19

† Derived: worked out from the filings, not stated in them. A fourth quarter is the 10-K year less the nine months in the third-quarter 10-Q; a quarter of cash flows is year to date less the prior year to date.

As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.