Call reports 2020
HERITAGE COMMUNITY BANK — 2020
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 152,162,000 | 160,593,000 | 175,751,000 | 175,108,000 |
| Total loans | 125,568,000 | 140,178,000 | 154,236,000 | 154,165,000 |
| Allowance for loan losses | 1,813,000 | 1,813,000 | 1,831,000 | 1,887,000 |
| Securities available for sale | 5,409,000 | 5,394,000 | 5,628,000 | 5,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,270,000 | 138,178,000 | 145,353,000 | 150,472,000 |
| Interest-bearing deposits | 110,630,000 | 113,167,000 | 119,621,000 | 122,960,000 |
| Noninterest-bearing deposits | 19,640,000 | 25,011,000 | 25,732,000 | 27,512,000 |
| Equity capital | 13,976,000 | 14,572,000 | 15,162,000 | 15,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,777,000 | 3,672,000 | 5,585,000 | 7,730,000 |
| Interest expense | 465,000 | 889,000 | 1,217,000 | 1,496,000 |
| Net interest income | 1,312,000 | 2,783,000 | 4,368,000 | 6,234,000 |
| Noninterest income | 175,000 | 359,000 | 582,000 | 691,000 |
| Noninterest expense | 1,232,000 | 2,324,000 | 3,501,000 | 4,748,000 |
| Provision for loan losses | 20,000 | 20,000 | 40,000 | 100,000 |
| Pretax income | 235,000 | 796,000 | 1,405,000 | 2,078,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 235,000 | 796,000 | 1,405,000 | 2,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,507,000 | 14,080,000 | 14,691,000 | 15,363,000 |