Call reports 2012
HERITAGE COMMUNITY BANK — 2012
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 65,300,000 | 66,097,000 | 67,695,000 | 69,922,000 |
| Total loans | 48,332,000 | 47,593,000 | 46,838,000 | 50,697,000 |
| Allowance for loan losses | 1,166,000 | 1,200,000 | 1,233,000 | 1,260,000 |
| Securities available for sale | 7,487,000 | 7,900,000 | 6,006,000 | 8,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,235,000 | 56,815,000 | 58,223,000 | 57,341,000 |
| Interest-bearing deposits | 47,755,000 | 49,405,000 | 49,418,000 | 49,026,000 |
| Noninterest-bearing deposits | 8,480,000 | 7,410,000 | 8,805,000 | 8,315,000 |
| Equity capital | 8,351,000 | 8,543,000 | 8,711,000 | 8,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 727,000 | 1,455,000 | 2,190,000 | 2,925,000 |
| Interest expense | 131,000 | 256,000 | 376,000 | 493,000 |
| Net interest income | 596,000 | 1,199,000 | 1,814,000 | 2,432,000 |
| Noninterest income | 47,000 | 95,000 | 158,000 | 218,000 |
| Noninterest expense | 448,000 | 918,000 | 1,412,000 | 1,906,000 |
| Provision for loan losses | 50,000 | 80,000 | 110,000 | 140,000 |
| Pretax income | 146,000 | 297,000 | 451,000 | 605,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 146,000 | 297,000 | 451,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,749,000 | 7,907,000 | 8,067,000 | 8,228,000 |
| Total capital | 8,438,000 | 8,589,000 | 8,799,000 | 8,858,000 |
| Risk-weighted assets | 54,668,000 | 55,359,000 | 58,032,000 | 51,293,000 |