Call reports 2004
HERITAGE COMMUNITY BANK — 2004
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,784,000 | 20,334,000 | 21,338,000 | 21,713,000 |
| Total loans | 12,302,000 | 13,393,000 | 13,732,000 | 13,204,000 |
| Allowance for loan losses | 95,000 | 97,000 | 84,000 | 101,000 |
| Securities available for sale | 6,506,000 | 5,574,000 | 5,339,000 | 5,120,000 |
| Securities held to maturity | 310,000 | 310,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,915,000 | 17,508,000 | 17,675,000 | 18,128,000 |
| Interest-bearing deposits | 16,304,000 | 15,949,000 | 16,125,000 | 16,270,000 |
| Noninterest-bearing deposits | 1,611,000 | 1,559,000 | 1,550,000 | 1,858,000 |
| Equity capital | 2,734,000 | 2,719,000 | 2,847,000 | 2,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 257,000 | 523,000 | 792,000 | 1,066,000 |
| Interest expense | 84,000 | 165,000 | 250,000 | 347,000 |
| Net interest income | 173,000 | 358,000 | 542,000 | 719,000 |
| Noninterest income | 25,000 | 54,000 | 85,000 | 122,000 |
| Noninterest expense | 111,000 | 221,000 | 328,000 | 466,000 |
| Provision for loan losses | 2,000 | 5,000 | 9,000 | 30,000 |
| Pretax income | 92,000 | 194,000 | 299,000 | 354,000 |
| Income tax | 19,000 | 51,000 | 79,000 | 106,000 |
| Net income | 73,000 | 143,000 | 220,000 | 248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,677,000 | 2,747,000 | 2,824,000 | 2,776,000 |
| Total capital | 2,772,000 | 2,844,000 | 2,908,000 | 2,877,000 |
| Risk-weighted assets | 13,317,000 | 12,959,000 | 14,090,000 | 15,000,000 |
Machine access — free, no API key
Every figure shown here about HERITAGE COMMUNITY BANK — 2004 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 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.