Call reports 2009
HERITAGE COMMUNITY BANK — 2009
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 38,360,000 | 41,428,000 | 44,874,000 | 52,157,000 |
| Total loans | 25,949,000 | 27,691,000 | 31,025,000 | 36,350,000 |
| Allowance for loan losses | 387,000 | 424,000 | 452,000 | 509,000 |
| Securities available for sale | 4,837,000 | 6,267,000 | 5,019,000 | 5,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,838,000 | 31,855,000 | 35,323,000 | 42,686,000 |
| Interest-bearing deposits | 24,628,000 | 27,010,000 | 29,974,000 | 37,723,000 |
| Noninterest-bearing deposits | 4,210,000 | 4,845,000 | 5,349,000 | 4,963,000 |
| Equity capital | 7,661,000 | 7,637,000 | 7,609,000 | 7,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 437,000 | 864,000 | 1,335,000 | 1,882,000 |
| Interest expense | 138,000 | 275,000 | 425,000 | 602,000 |
| Net interest income | 299,000 | 589,000 | 910,000 | 1,280,000 |
| Noninterest income | 26,000 | 55,000 | 79,000 | 110,000 |
| Noninterest expense | 285,000 | 591,000 | 955,000 | 1,385,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 173,000 |
| Pretax income | 0 | -29,000 | -87,000 | -181,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 0 | -29,000 | -87,000 | -181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,983,000 | 6,960,000 | 6,910,000 | 6,823,000 |
| Total capital | 7,370,000 | 7,383,000 | 7,362,000 | 7,332,000 |
| Risk-weighted assets | 31,147,000 | 33,191,000 | 37,455,000 | 44,233,000 |
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