Call reports 2018
HERITAGE COMMUNITY BANK — 2018
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 137,720,000 | 138,453,000 | 140,391,000 | 142,400,000 |
| Total loans | 116,018,000 | 121,071,000 | 122,862,000 | 125,945,000 |
| Allowance for loan losses | 1,701,000 | 1,718,000 | 1,492,000 | 1,571,000 |
| Securities available for sale | 7,356,000 | 7,348,000 | 7,339,000 | 7,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,570,000 | 116,983,000 | 115,579,000 | 116,893,000 |
| Interest-bearing deposits | 101,387,000 | 101,620,000 | 99,992,000 | 99,969,000 |
| Noninterest-bearing deposits | 17,183,000 | 15,363,000 | 15,587,000 | 16,924,000 |
| Equity capital | 12,611,000 | 12,842,000 | 13,085,000 | 13,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,511,000 | 3,066,000 | 4,689,000 | 6,410,000 |
| Interest expense | 259,000 | 532,000 | 862,000 | 1,243,000 |
| Net interest income | 1,252,000 | 2,534,000 | 3,827,000 | 5,167,000 |
| Noninterest income | 168,000 | 302,000 | 473,000 | 640,000 |
| Noninterest expense | 1,013,000 | 2,105,000 | 3,146,000 | 4,260,000 |
| Provision for loan losses | 110,000 | 195,000 | 365,000 | 455,000 |
| Pretax income | 297,000 | 536,000 | 789,000 | 1,092,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 297,000 | 536,000 | 789,000 | 1,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,309,000 | 12,548,000 | 12,801,000 | 13,104,000 |
| Total capital | 13,770,000 | 14,076,000 | 14,293,000 | 14,675,000 |
| Risk-weighted assets | 116,578,000 | 122,015,000 | 122,815,000 | 125,798,000 |