Call reports 2011
HERITAGE COMMUNITY BANK — 2011
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 61,208,000 | 62,210,000 | 64,352,000 | 65,131,000 |
| Total loans | 44,885,000 | 45,453,000 | 46,755,000 | 47,502,000 |
| Allowance for loan losses | 859,000 | 960,000 | 1,039,000 | 1,107,000 |
| Securities available for sale | 10,121,000 | 9,154,000 | 11,231,000 | 8,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,953,000 | 52,759,000 | 55,462,000 | 56,137,000 |
| Interest-bearing deposits | 44,009,000 | 45,746,000 | 47,051,000 | 47,747,000 |
| Noninterest-bearing deposits | 7,944,000 | 7,013,000 | 8,411,000 | 8,390,000 |
| Equity capital | 7,780,000 | 8,000,000 | 8,109,000 | 8,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 683,000 | 1,385,000 | 2,110,000 | 2,851,000 |
| Interest expense | 155,000 | 310,000 | 462,000 | 599,000 |
| Net interest income | 528,000 | 1,075,000 | 1,648,000 | 2,252,000 |
| Noninterest income | 29,000 | 60,000 | 102,000 | 139,000 |
| Noninterest expense | 425,000 | 837,000 | 1,267,000 | 1,673,000 |
| Provision for loan losses | 80,000 | 170,000 | 260,000 | 350,000 |
| Pretax income | 52,000 | 130,000 | 239,000 | 390,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 52,000 | 130,000 | 239,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,237,000 | 7,322,000 | 7,439,000 | 7,597,000 |
| Total capital | 7,844,000 | 7,942,000 | 8,069,000 | 8,261,000 |
| Risk-weighted assets | 48,302,000 | 49,358,000 | 49,997,000 | 52,645,000 |