Call reports 2022
HERITAGE COMMUNITY BANK — 2022
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 192,240,000 | 204,901,000 | 212,334,000 | 222,889,000 |
| Total loans | 165,787,000 | 174,423,000 | 187,396,000 | 198,400,000 |
| Allowance for loan losses | 2,267,000 | 2,340,000 | 2,416,000 | 2,504,000 |
| Securities available for sale | 5,387,000 | 5,330,000 | 5,233,000 | 5,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,888,000 | 175,946,000 | 177,720,000 | 190,063,000 |
| Interest-bearing deposits | 136,951,000 | 141,906,000 | 142,254,000 | 152,290,000 |
| Noninterest-bearing deposits | 36,937,000 | 34,040,000 | 35,466,000 | 37,773,000 |
| Equity capital | 16,627,000 | 17,119,000 | 17,669,000 | 18,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,927,000 | 3,975,000 | 6,256,000 | 8,797,000 |
| Interest expense | 203,000 | 428,000 | 808,000 | 1,461,000 |
| Net interest income | 1,724,000 | 3,547,000 | 5,448,000 | 7,336,000 |
| Noninterest income | 256,000 | 433,000 | 625,000 | 782,000 |
| Noninterest expense | 1,307,000 | 2,655,000 | 4,013,000 | 5,384,000 |
| Provision for loan losses | 25,000 | 100,000 | 175,000 | 250,000 |
| Pretax income | 644,000 | 1,212,000 | 1,873,000 | 2,470,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 644,000 | 1,212,000 | 1,873,000 | 2,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,458,000 | 17,025,000 | 17,687,000 | 18,157,000 |
| Total capital | — | — | 19,827,000 | 20,406,000 |
| Risk-weighted assets | — | — | 170,986,000 | 179,668,000 |