Call reports 2024
HERITAGE COMMUNITY BANK — 2024
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 260,458,000 | 267,232,000 | 278,840,000 | 281,842,000 |
| Total loans | 235,118,000 | 240,722,000 | 250,275,000 | 254,468,000 |
| Allowance for loan losses | 2,801,000 | 2,899,000 | 3,029,000 | 3,082,000 |
| Securities available for sale | 5,502,000 | 5,537,000 | 5,589,000 | 5,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,304,000 | 227,543,000 | 239,777,000 | 248,856,000 |
| Interest-bearing deposits | 192,199,000 | 195,723,000 | 209,427,000 | 217,074,000 |
| Noninterest-bearing deposits | 32,105,000 | 31,820,000 | 30,350,000 | 31,782,000 |
| Equity capital | 19,069,000 | 19,772,000 | 20,650,000 | 21,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,075,000 | 8,342,000 | 12,968,000 | 17,816,000 |
| Interest expense | 1,977,000 | 4,108,000 | 6,398,000 | 8,663,000 |
| Net interest income | 2,098,000 | 4,234,000 | 6,570,000 | 9,153,000 |
| Noninterest income | 205,000 | 390,000 | 595,000 | 797,000 |
| Noninterest expense | 1,536,000 | 3,072,000 | 4,649,000 | 6,322,000 |
| Provision for loan losses | 75,000 | 173,000 | 303,000 | 393,000 |
| Pretax income | 691,000 | 1,363,000 | 2,206,000 | 3,229,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 691,000 | 1,363,000 | 2,206,000 | 3,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,782,000 | 19,455,000 | 20,267,000 | 21,155,000 |
| Total capital | 21,440,000 | 22,174,000 | 23,102,000 | 24,010,000 |
| Risk-weighted assets | 212,555,000 | 217,378,000 | 226,613,000 | 228,209,000 |
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