Call reports 2023
HERITAGE COMMUNITY BANK — 2023
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 230,124,000 | 236,833,000 | 247,175,000 | 252,871,000 |
| Total loans | 204,980,000 | 209,620,000 | 218,043,000 | 226,390,000 |
| Allowance for loan losses | 2,502,000 | 2,577,000 | 2,651,000 | 2,726,000 |
| Securities available for sale | 5,325,000 | 5,327,000 | 5,392,000 | 5,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,896,000 | 202,470,000 | 204,450,000 | 215,363,000 |
| Interest-bearing deposits | 166,185,000 | 169,279,000 | 171,135,000 | 182,631,000 |
| Noninterest-bearing deposits | 31,711,000 | 33,191,000 | 33,315,000 | 32,732,000 |
| Equity capital | 17,712,000 | 18,167,000 | 18,693,000 | 19,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,833,000 | 5,914,000 | 9,299,000 | 13,135,000 |
| Interest expense | 1,054,000 | 2,340,000 | 3,854,000 | 5,665,000 |
| Net interest income | 1,779,000 | 3,574,000 | 5,445,000 | 7,470,000 |
| Noninterest income | 163,000 | 324,000 | 479,000 | 630,000 |
| Noninterest expense | 1,433,000 | 2,875,000 | 4,376,000 | 5,803,000 |
| Provision for loan losses | 0 | 75,000 | 150,000 | 225,000 |
| Pretax income | 517,000 | 963,000 | 1,416,000 | 2,084,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 517,000 | 963,000 | 1,416,000 | 2,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,626,000 | 18,071,000 | 18,525,000 | 19,113,000 |
| Total capital | 19,942,000 | 20,486,000 | 21,008,000 | 21,681,000 |
| Risk-weighted assets | 185,118,000 | 193,061,000 | 198,520,000 | 205,320,000 |