Call reports 2006
HERITAGE COMMUNITY BANK — 2006
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 22,550,000 | 22,719,000 | 22,603,000 | 22,878,000 |
| Total loans | 14,020,000 | 14,679,000 | 14,696,000 | 14,014,000 |
| Allowance for loan losses | 145,000 | 141,000 | 148,000 | 151,000 |
| Securities available for sale | 6,196,000 | 6,307,000 | 6,373,000 | 6,076,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,277,000 | 18,396,000 | 18,185,000 | 18,493,000 |
| Interest-bearing deposits | 16,562,000 | 16,664,000 | 16,582,000 | 16,691,000 |
| Noninterest-bearing deposits | 1,715,000 | 1,732,000 | 1,603,000 | 1,802,000 |
| Equity capital | 2,964,000 | 3,005,000 | 3,080,000 | 3,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 307,000 | 649,000 | 979,000 | 1,319,000 |
| Interest expense | 131,000 | 271,000 | 440,000 | 596,000 |
| Net interest income | 176,000 | 378,000 | 539,000 | 723,000 |
| Noninterest income | 24,000 | 53,000 | 77,000 | 105,000 |
| Noninterest expense | 121,000 | 249,000 | 375,000 | 515,000 |
| Provision for loan losses | 9,000 | 18,000 | 24,000 | 33,000 |
| Pretax income | 70,000 | 164,000 | 217,000 | 280,000 |
| Income tax | 21,000 | 45,000 | 70,000 | 82,000 |
| Net income | 49,000 | 119,000 | 147,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,031,000 | 3,101,000 | 3,128,000 | 3,066,000 |
| Total capital | 3,176,000 | 3,242,000 | 3,276,000 | 3,217,000 |
| Risk-weighted assets | 15,978,000 | 15,769,000 | 15,597,000 | 16,197,000 |
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