Call reports 2003
HERITAGE COMMUNITY BANK — 2003
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 20,329,000 | 20,749,000 | 21,111,000 | 20,844,000 |
| Total loans | 10,563,000 | 10,610,000 | 11,414,000 | 11,471,000 |
| Allowance for loan losses | 101,000 | 107,000 | 110,000 | 93,000 |
| Securities available for sale | 7,296,000 | 7,316,000 | 7,199,000 | 7,509,000 |
| Securities held to maturity | 650,000 | 600,000 | 600,000 | 460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,635,000 | 17,926,000 | 18,255,000 | 18,017,000 |
| Interest-bearing deposits | 15,616,000 | 16,236,000 | 16,674,000 | 16,177,000 |
| Noninterest-bearing deposits | 2,019,000 | 1,690,000 | 1,581,000 | 1,840,000 |
| Equity capital | 2,562,000 | 2,637,000 | 2,679,000 | 2,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 269,000 | 539,000 | 799,000 | 1,060,000 |
| Interest expense | 99,000 | 197,000 | 289,000 | 376,000 |
| Net interest income | 170,000 | 342,000 | 510,000 | 684,000 |
| Noninterest income | 22,000 | 58,000 | 83,000 | 116,000 |
| Noninterest expense | 120,000 | 237,000 | 333,000 | 462,000 |
| Provision for loan losses | 6,000 | 10,000 | 18,000 | 23,000 |
| Pretax income | 66,000 | 153,000 | 242,000 | 315,000 |
| Income tax | 17,000 | 34,000 | 54,000 | 77,000 |
| Net income | 49,000 | 119,000 | 188,000 | 238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,490,000 | 2,559,000 | 2,628,000 | 2,604,000 |
| Total capital | 2,591,000 | 2,666,000 | 2,738,000 | 2,697,000 |
| Risk-weighted assets | 11,775,000 | 12,302,000 | 13,049,000 | 12,449,000 |
Machine access — free, no API key
Every figure shown here about HERITAGE COMMUNITY BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.