Call reports 2015
HERITAGE COMMUNITY BANK — 2015
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 91,939,000 | 94,372,000 | 101,623,000 | 105,218,000 |
| Total loans | 76,933,000 | 83,119,000 | 88,962,000 | 92,616,000 |
| Allowance for loan losses | 1,269,000 | 1,323,000 | 1,389,000 | 1,438,000 |
| Securities available for sale | 4,752,000 | 4,737,000 | 4,713,000 | 4,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,913,000 | 79,166,000 | 84,436,000 | 88,268,000 |
| Interest-bearing deposits | 65,438,000 | 68,286,000 | 71,010,000 | 73,832,000 |
| Noninterest-bearing deposits | 11,475,000 | 10,880,000 | 13,426,000 | 14,436,000 |
| Equity capital | 9,853,000 | 10,071,000 | 10,390,000 | 10,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 965,000 | 2,035,000 | 3,193,000 | 4,389,000 |
| Interest expense | 102,000 | 219,000 | 351,000 | 487,000 |
| Net interest income | 863,000 | 1,816,000 | 2,842,000 | 3,902,000 |
| Noninterest income | 57,000 | 121,000 | 203,000 | 283,000 |
| Noninterest expense | 707,000 | 1,431,000 | 2,170,000 | 2,902,000 |
| Provision for loan losses | 50,000 | 110,000 | 180,000 | 270,000 |
| Pretax income | 163,000 | 396,000 | 695,000 | 1,013,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 163,000 | 396,000 | 695,000 | 1,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,389,000 | 9,625,000 | 9,926,000 | 10,247,000 |
| Total capital | 10,348,000 | 10,636,000 | 10,991,000 | 11,343,000 |
| Risk-weighted assets | 76,414,000 | 80,635,000 | 84,913,000 | 87,356,000 |