Call reports 2017
HERITAGE COMMUNITY BANK — 2017
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 134,991,000 | 134,446,000 | 139,655,000 | 138,786,000 |
| Total loans | 115,489,000 | 117,113,000 | 120,829,000 | 119,260,000 |
| Allowance for loan losses | 1,596,000 | 1,609,000 | 1,663,000 | 1,694,000 |
| Securities available for sale | 6,766,000 | 7,271,000 | 7,386,000 | 7,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,696,000 | 109,582,000 | 115,130,000 | 113,822,000 |
| Interest-bearing deposits | 95,300,000 | 94,379,000 | 98,607,000 | 95,580,000 |
| Noninterest-bearing deposits | 16,396,000 | 15,203,000 | 16,523,000 | 18,242,000 |
| Equity capital | 11,908,000 | 12,433,000 | 12,952,000 | 13,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,486,000 | 3,013,000 | 4,603,000 | 6,231,000 |
| Interest expense | 202,000 | 418,000 | 666,000 | 924,000 |
| Net interest income | 1,284,000 | 2,595,000 | 3,937,000 | 5,307,000 |
| Noninterest income | 138,000 | 288,000 | 452,000 | 581,000 |
| Noninterest expense | 914,000 | 1,810,000 | 2,736,000 | 3,696,000 |
| Provision for loan losses | 45,000 | 90,000 | 150,000 | 210,000 |
| Pretax income | 463,000 | 983,000 | 1,503,000 | 1,982,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 463,000 | 983,000 | 1,503,000 | 1,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,532,000 | 12,057,000 | 12,583,000 | 13,062,000 |
| Total capital | 12,899,000 | 13,471,000 | 14,067,000 | 14,526,000 |
| Risk-weighted assets | 109,160,000 | 112,969,000 | 118,550,000 | 116,891,000 |