Call reports 2007
HERITAGE COMMUNITY BANK — 2007
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 23,706,000 | 23,202,000 | 30,572,000 | 29,812,000 |
| Total loans | 14,573,000 | 14,591,000 | 15,054,000 | 15,299,000 |
| Allowance for loan losses | 162,000 | 175,000 | 219,000 | 189,000 |
| Securities available for sale | 5,166,000 | 4,681,000 | 3,714,000 | 5,741,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,275,000 | 18,713,000 | 21,412,000 | 20,622,000 |
| Interest-bearing deposits | 17,337,000 | 16,984,000 | 17,900,000 | 17,212,000 |
| Noninterest-bearing deposits | 1,938,000 | 1,729,000 | 3,512,000 | 3,410,000 |
| Equity capital | 3,096,000 | 3,132,000 | 7,807,000 | 7,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 360,000 | 732,000 | 1,093,000 | 1,519,000 |
| Interest expense | 160,000 | 325,000 | 496,000 | 658,000 |
| Net interest income | 200,000 | 407,000 | 597,000 | 861,000 |
| Noninterest income | 22,000 | 50,000 | 81,000 | 112,000 |
| Noninterest expense | 127,000 | 261,000 | 561,000 | 845,000 |
| Provision for loan losses | 9,000 | 15,000 | 74,000 | 99,000 |
| Pretax income | 86,000 | 181,000 | 43,000 | 29,000 |
| Income tax | 21,000 | 68,000 | 30,000 | 30,000 |
| Net income | 65,000 | 113,000 | 13,000 | -1,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,131,000 | 3,176,000 | 7,126,000 | 7,116,000 |
| Total capital | 3,293,000 | 3,351,000 | 7,345,000 | 7,305,000 |
| Risk-weighted assets | 17,868,000 | 17,775,000 | 25,942,000 | 23,220,000 |
Machine access — free, no API key
Every figure shown here about HERITAGE COMMUNITY BANK — 2007 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.