Call reports 2008
HERITAGE COMMUNITY BANK — 2008
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 32,831,000 | 32,558,000 | 35,005,000 | 35,531,000 |
| Total loans | 15,857,000 | 21,975,000 | 25,168,000 | 26,890,000 |
| Allowance for loan losses | 219,000 | 253,000 | 269,000 | 344,000 |
| Securities available for sale | 4,569,000 | 4,369,000 | 4,372,000 | 4,240,000 |
| Securities held to maturity | 50,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,684,000 | 23,440,000 | 25,931,000 | 26,418,000 |
| Interest-bearing deposits | 19,872,000 | 19,452,000 | 21,795,000 | 22,356,000 |
| Noninterest-bearing deposits | 3,812,000 | 3,988,000 | 4,136,000 | 4,062,000 |
| Equity capital | 7,795,000 | 7,724,000 | 7,680,000 | 7,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 409,000 | 833,000 | 1,293,000 | 1,729,000 |
| Interest expense | 155,000 | 296,000 | 441,000 | 592,000 |
| Net interest income | 254,000 | 537,000 | 852,000 | 1,137,000 |
| Noninterest income | 25,000 | 51,000 | 81,000 | 107,000 |
| Noninterest expense | 295,000 | 607,000 | 932,000 | 1,204,000 |
| Provision for loan losses | 30,000 | 60,000 | 125,000 | 215,000 |
| Pretax income | -46,000 | -76,000 | -124,000 | -172,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -46,000 | -76,000 | -124,000 | -172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,080,000 | 7,064,000 | 7,017,000 | 6,976,000 |
| Total capital | 7,299,000 | 7,317,000 | 7,286,000 | 7,320,000 |
| Risk-weighted assets | 27,052,000 | 26,421,000 | 27,977,000 | 28,769,000 |
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