Call reports 2005
HERITAGE COMMUNITY BANK — 2005
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 22,500,000 | 21,975,000 | 22,517,000 | 22,437,000 |
| Total loans | 12,982,000 | 13,585,000 | 13,941,000 | 14,550,000 |
| Allowance for loan losses | 116,000 | 137,000 | 140,000 | 147,000 |
| Securities available for sale | 6,207,000 | 7,243,000 | 6,661,000 | 6,226,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,858,000 | 18,217,000 | 18,728,000 | 18,193,000 |
| Interest-bearing deposits | 17,012,000 | 16,390,000 | 16,948,000 | 16,185,000 |
| Noninterest-bearing deposits | 1,846,000 | 1,827,000 | 1,780,000 | 2,008,000 |
| Equity capital | 2,863,000 | 2,965,000 | 3,003,000 | 2,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 277,000 | 576,000 | 885,000 | 1,209,000 |
| Interest expense | 99,000 | 207,000 | 320,000 | 443,000 |
| Net interest income | 178,000 | 369,000 | 565,000 | 766,000 |
| Noninterest income | 20,000 | 45,000 | 72,000 | 98,000 |
| Noninterest expense | 117,000 | 237,000 | 358,000 | 476,000 |
| Provision for loan losses | 16,000 | 34,000 | 40,000 | 72,000 |
| Pretax income | 65,000 | 143,000 | 226,000 | 299,000 |
| Income tax | 7,000 | 19,000 | 37,000 | 59,000 |
| Net income | 58,000 | 124,000 | 189,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,901,000 | 2,967,000 | 3,032,000 | 3,008,000 |
| Total capital | 3,017,000 | 3,104,000 | 3,172,000 | 3,154,000 |
| Risk-weighted assets | 15,032,000 | 14,026,000 | 13,279,000 | 13,727,000 |
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