Call reports 2013
HERITAGE COMMUNITY BANK — 2013
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 71,953,000 | 70,573,000 | 73,158,000 | 71,215,000 |
| Total loans | 49,372,000 | 53,676,000 | 55,875,000 | 54,145,000 |
| Allowance for loan losses | 1,240,000 | 1,270,000 | 1,300,000 | 1,265,000 |
| Securities available for sale | 8,317,000 | 6,603,000 | 6,073,000 | 6,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,271,000 | 56,967,000 | 58,405,000 | 61,502,000 |
| Interest-bearing deposits | 52,121,000 | 48,959,000 | 50,426,000 | 52,442,000 |
| Noninterest-bearing deposits | 8,150,000 | 8,008,000 | 7,979,000 | 9,060,000 |
| Equity capital | 8,983,000 | 8,872,000 | 8,974,000 | 8,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 744,000 | 1,483,000 | 2,272,000 | 3,035,000 |
| Interest expense | 111,000 | 215,000 | 323,000 | 424,000 |
| Net interest income | 633,000 | 1,268,000 | 1,949,000 | 2,611,000 |
| Noninterest income | 62,000 | 114,000 | 190,000 | 252,000 |
| Noninterest expense | 506,000 | 1,056,000 | 1,677,000 | 2,345,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | 169,000 | 259,000 | 365,000 | 391,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 169,000 | 259,000 | 365,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,404,000 | 8,502,000 | 8,613,000 | 8,647,000 |
| Total capital | 9,060,000 | 9,187,000 | 9,322,000 | 9,332,000 |
| Risk-weighted assets | 51,894,000 | 54,223,000 | 56,147,000 | 54,204,000 |