Call reports 2016
HERITAGE COMMUNITY BANK — 2016
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 115,291,000 | 114,021,000 | 123,352,000 | 125,213,000 |
| Total loans | 95,952,000 | 100,784,000 | 105,860,000 | 108,813,000 |
| Allowance for loan losses | 1,521,000 | 1,601,000 | 1,600,000 | 1,556,000 |
| Securities available for sale | 4,767,000 | 4,782,000 | 4,769,000 | 6,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,080,000 | 97,325,000 | 103,048,000 | 104,574,000 |
| Interest-bearing deposits | 83,381,000 | 83,399,000 | 87,291,000 | 87,927,000 |
| Noninterest-bearing deposits | 14,699,000 | 13,926,000 | 15,757,000 | 16,647,000 |
| Equity capital | 10,961,000 | 11,403,000 | 11,906,000 | 12,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,219,000 | 2,509,000 | 3,863,000 | 5,272,000 |
| Interest expense | 149,000 | 306,000 | 475,000 | 669,000 |
| Net interest income | 1,070,000 | 2,203,000 | 3,388,000 | 4,603,000 |
| Noninterest income | 81,000 | 204,000 | 350,000 | 418,000 |
| Noninterest expense | 823,000 | 1,626,000 | 2,439,000 | 3,333,000 |
| Provision for loan losses | 75,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 254,000 | 681,000 | 1,199,000 | 1,588,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 254,000 | 681,000 | 1,199,000 | 1,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,496,000 | 10,927,000 | 11,448,000 | 11,842,000 |
| Total capital | 11,637,000 | 12,130,000 | 12,719,000 | 13,126,000 |
| Risk-weighted assets | 90,969,000 | 95,871,000 | 101,405,000 | 102,506,000 |