Call reports 2002
HERITAGE COMMUNITY BANK — 2002
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 18,748,000 | 18,548,000 | 19,673,000 | 19,610,000 |
| Total loans | 9,362,000 | 9,659,000 | 10,242,000 | 10,486,000 |
| Allowance for loan losses | 77,000 | 84,000 | 92,000 | 97,000 |
| Securities available for sale | 5,555,000 | 5,660,000 | 6,512,000 | 6,863,000 |
| Securities held to maturity | 2,458,000 | 1,891,000 | 1,241,000 | 1,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,198,000 | 15,873,000 | 16,954,000 | 16,936,000 |
| Interest-bearing deposits | 14,561,000 | 14,401,000 | 15,213,000 | 15,085,000 |
| Noninterest-bearing deposits | 1,637,000 | 1,472,000 | 1,741,000 | 1,851,000 |
| Equity capital | 2,389,000 | 2,494,000 | 2,547,000 | 2,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 279,000 | 565,000 | 851,000 | 1,119,000 |
| Interest expense | 134,000 | 262,000 | 388,000 | 503,000 |
| Net interest income | 145,000 | 303,000 | 463,000 | 616,000 |
| Noninterest income | 17,000 | 35,000 | 57,000 | 80,000 |
| Noninterest expense | 109,000 | 219,000 | 329,000 | 467,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 45,000 | 104,000 | 168,000 | 199,000 |
| Income tax | 8,000 | 29,000 | 43,000 | 49,000 |
| Net income | 37,000 | 75,000 | 125,000 | 150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,379,000 | 2,417,000 | 2,467,000 | 2,432,000 |
| Total capital | 2,456,000 | 2,501,000 | 2,559,000 | 2,529,000 |
| Risk-weighted assets | 10,273,000 | 10,173,000 | 11,150,000 | 11,122,000 |
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