Call reports 2021
HERITAGE COMMUNITY BANK — 2021
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 180,170,000 | 179,674,000 | 180,733,000 | 187,051,000 |
| Total loans | 150,478,000 | 151,032,000 | 151,471,000 | 155,980,000 |
| Allowance for loan losses | 1,963,000 | 2,060,000 | 2,157,000 | 2,238,000 |
| Securities available for sale | 5,607,000 | 5,602,000 | 5,607,000 | 5,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,073,000 | 159,862,000 | 160,079,000 | 167,665,000 |
| Interest-bearing deposits | 127,437,000 | 126,351,000 | 128,786,000 | 132,056,000 |
| Noninterest-bearing deposits | 31,636,000 | 33,511,000 | 31,293,000 | 35,609,000 |
| Equity capital | 15,413,000 | 16,111,000 | 16,941,000 | 17,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,957,000 | 3,987,000 | 5,992,000 | 8,034,000 |
| Interest expense | 266,000 | 502,000 | 718,000 | 927,000 |
| Net interest income | 1,691,000 | 3,485,000 | 5,274,000 | 7,107,000 |
| Noninterest income | 277,000 | 539,000 | 917,000 | 1,153,000 |
| Noninterest expense | 1,139,000 | 2,390,000 | 3,639,000 | 4,957,000 |
| Provision for loan losses | 113,000 | 208,000 | 303,000 | 383,000 |
| Pretax income | 724,000 | 1,434,000 | 2,265,000 | 2,943,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 724,000 | 1,434,000 | 2,265,000 | 2,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,977,000 | 15,688,000 | 16,518,000 | 17,197,000 |