Heritage Financial Corporation (NASDAQ:HFWA) Q3 2020 Earnings Conference Call October 22, 2020 2:00 PM ET Company Participants Jeff Deuel – President and Chief Executive Officer Don Hinson – Chief Financial Officer Bryan McDonald – Chief Operating Officer Conference Call Participants David Feaster – Raymond James Jeff Rulis – D.A. Davidson Matthew Clark – Piper Sandler Jackie Bohlen – KBW Operator Ladies and gentlemen, thank you for standing by, and welcome to the Heritage Financial Quarterly Earnings Call. ...

Investor Presentation Q3 2020 1 Forward – Looking Statement The COVID-19 pandemic is adversely affecting us, our customers, counterparties, employees, and third-party service providers, and the ultimate extent of the impacts on our business, financial position, results of operations, liquidity, and prospects is uncertain. Other factors that could cause or contribute to such differences include, but are not limited to: • the credit risks of lending activities, including changes in the level and trend of loan ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number 000-29480 HERITAGE FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washingt ...

Heritage Financial Corporation (NASDAQ:HFWA) Q2 2020 Earnings Conference Call July 23, 2020 2:00 PM ET Company Participants Jeffrey Deuel - Chief Executive Officer Donald Hinson - Chief Financial Officer Bryan McDonald - Chief Operating Officer Tony Chalfant - Chief Credit Officer Conference Call Participants David Feaster - Raymond James Financial, Inc. Jacquelynne Bohlen - Keefe Bruyette & Woods Inc. Matthew Clark - Piper Sandler Jeffrey Rulis - D.A. Davidson & Co. Operator Ladies and gentlemen, thank you ...

| --- | --- | |-------------------------------|----------------| | | | | Investor Presentation Q2 2020 | ge CORPORATION | 1 R: 20 G: 80 B: 155 R: 105 G: 149 B: 253 Forward – Looking Statement The COVID-19, pandemic is adversely affecting us, our customers, counterparties, employees, and third-party service providers, and the ultimate extent of the impacts on our business, financial position, results of operations, liquidity, and prospects is uncertain. Other factors that could cause or contribute to such di ...

Investor Presentation Q1 2020 Jeff Deuel, Chief Executive Officer Bryan McDonald, Chief Operating Officer Don Hinson, Chief Financial Officer 1 Forward – Looking Statement This presentation contains forward-looking statements that are subject to risks and uncertainties, including, but not limited to: • The effect of the COVID-19 pandemic, including on Heritage's credit quality and business operations, as well as its impact on general economic and financial market conditions and other uncertainties resulting ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number 000-29480 HERITAGE FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) (State or other jurisdict ...

Heritage Financial Corporation (NASDAQ:HFWA) Q1 2020 Earnings Conference Call April 30, 2020 2:00 PM ET Company Participants Jeff Deuel - President & CEO Don Hinson - CFO Bryan McDonald - COO David Spurling - EVP & Chief Credit Officer, Heritage Bank Conference Call Participants Jeff Rulis - D.A Davidson Matthew Clark - Piper Jaffray Gordon McGuire - Stephens Bryan McDonald I'm here. Jeff Deuel Thank you, Bryan. Operator Okay. So host and speakers, you are in the main conference and everyone is in listen -- ...

财务数据关键指标变化 - 公司自2020年1月1日起采用CECL会计准则，可能减少留存收益和监管资本[99] 资产与负债结构 - 房地产建筑和土地开发贷款总额为2.767亿美元，占贷款及应收款项净额的7.3%[56] - 消费贷款总额为4.066亿美元，占贷款及应收款项净额的10.8%[59] - 公司持有经纪存款250万美元，以及根据回购协议出售的证券2020万美元[60] 资本充足与监管要求 - 最低资本要求包括：普通股一级资本比率4.5%，杠杆比率4.0%，一级资本比率6.0%，总资本比率8.0%[81] - 公司及银行需维持高于最低风险资本水平2.5%的普通股一级资本缓冲，以避免股息支付等受限[82] - 截至2019年12月31日，公司及银行满足所有最低资本要求，并被监管机构归类为资本状况良好[83] - 截至2019年12月31日，公司被归类为“资本充足”银行[87] - 社区银行杠杆比率框架要求杠杆比率大于9%的银行被视为满足资本充足率要求[97] 信贷额度与流动性 - 公司在联邦住房贷款银行的信贷额度为9.452亿美元，截至2019年12月31日无未偿还预付款[63] - 公司持有的联邦住房贷款银行股票投资成本基础（面值）为640万美元，全部为会员股[64] - 公司在美联储维持7310万美元的非承诺信贷额度，截至2019年12月31日无未偿还预付款或借款[65] - 公司维持与多家银行的联邦基金购买额度总计1.4亿美元，截至2019年12月31日无未偿还预付款或借款[65] 存款保险与评估 - 公司获得120万美元的小型银行评估抵免额度，其中72.6万美元已用于抵免2019年度的季度FDIC评估[92] - FDIC存款保险基金储备比率在2018年9月30日超过1.35%，触发监管变化[92] - 存款保险基金的最低指定储备比率设定为1.35%，FDIC将目标比率设定为2.0%[90][91] - FDIC总基础评估费率年化范围为1.5至40个基点[91] 风险管理与合规 - 公司需遵守《多德-弗兰克法案》的“沃克尔规则”，限制自营交易和对冲活动[93] - 公司未为任何类别的金融工具维持交易账户，也未从事对冲活动或购买高风险衍生工具[324] - 公司及其银行均不面临外汇汇率风险或大宗商品价格风险[324] 公司治理与人力资源 - 截至2019年12月31日，公司拥有884名全职等效员工[107] - 公司高管团队包括：Brian L. Vance（65岁，自1996年任职），Jeffrey J. Deuel（61岁，自2010年任职），Donald J. Hinson（58岁，自2005年任职）等[109]

Heritage Financial Corporation (NASDAQ:HFWA) Q4 2019 Results Conference Call January 23, 2020 2:00 PM ET Company Participants Jeff Deuel - Chief Executive Officer and President Don Hinson - Chief Financial Officer Bryan McDonald - Chief Operating Officer Conference Call Participants Jeff Rulis - D.A Davidson Gordon McGuire - Stephens Matthew Clark - Piper Jaffray Operator Ladies and gentlemen, thank you for standing by. And welcome to the Heritage Financial Fourth Quarter and Year End Conference Call. At th ...