Call reports 2019
HERITAGE COMMUNITY BANK — 2019
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 145,950,000 | 147,875,000 | 148,628,000 | 146,206,000 |
| Total loans | 124,823,000 | 127,415,000 | 127,901,000 | 127,257,000 |
| Allowance for loan losses | 1,633,000 | 1,695,000 | 1,734,000 | 1,779,000 |
| Securities available for sale | 7,364,000 | 6,568,000 | 6,581,000 | 6,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,793,000 | 121,199,000 | 124,458,000 | 123,652,000 |
| Interest-bearing deposits | 104,096,000 | 105,447,000 | 106,356,000 | 106,685,000 |
| Noninterest-bearing deposits | 17,697,000 | 15,752,000 | 18,102,000 | 16,967,000 |
| Equity capital | 13,414,000 | 13,835,000 | 14,237,000 | 14,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,705,000 | 3,503,000 | 5,366,000 | 7,235,000 |
| Interest expense | 408,000 | 856,000 | 1,331,000 | 1,801,000 |
| Net interest income | 1,297,000 | 2,647,000 | 4,035,000 | 5,434,000 |
| Noninterest income | 244,000 | 478,000 | 619,000 | 811,000 |
| Noninterest expense | 1,104,000 | 2,246,000 | 3,361,000 | 4,466,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 220,000 |
| Pretax income | 377,000 | 759,000 | 1,133,000 | 1,559,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 377,000 | 759,000 | 1,133,000 | 1,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,046,000 | 13,428,000 | 13,802,000 | 14,228,000 |
| Total capital | 14,615,000 | 15,028,000 | 15,375,000 | 15,748,000 |
| Risk-weighted assets | 125,517,000 | 127,943,000 | 125,712,000 | 121,358,000 |