Call reports 2025
HERITAGE COMMUNITY BANK — 2025
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 288,718,000 | 299,810,000 | 308,016,000 | 327,173,000 |
| Total loans | 259,966,000 | 269,179,000 | 277,755,000 | 292,549,000 |
| Allowance for loan losses | 3,133,000 | 3,254,000 | 3,444,000 | 3,600,000 |
| Securities available for sale | 5,545,000 | 5,346,000 | 5,690,000 | 5,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,806,000 | 257,012,000 | 265,886,000 | 266,897,000 |
| Interest-bearing deposits | 224,274,000 | 226,065,000 | 231,119,000 | 229,956,000 |
| Noninterest-bearing deposits | 31,532,000 | 30,947,000 | 34,767,000 | 36,941,000 |
| Equity capital | 21,575,000 | 22,751,000 | 23,819,000 | 26,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,847,000 | 9,872,000 | 15,152,000 | 20,384,000 |
| Interest expense | 2,176,000 | 4,338,000 | 6,618,000 | 8,826,000 |
| Net interest income | 2,671,000 | 5,534,000 | 8,534,000 | 11,558,000 |
| Noninterest income | 184,000 | 395,000 | 570,000 | 784,000 |
| Noninterest expense | 1,665,000 | 3,396,000 | 5,285,000 | 7,211,000 |
| Provision for loan losses | 54,000 | 174,000 | 364,000 | 1,666,000 |
| Pretax income | 1,111,000 | 2,289,000 | 3,349,000 | 3,346,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,111,000 | 2,289,000 | 3,349,000 | 3,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,174,000 | 22,352,000 | 23,412,000 | 26,264,000 |
| Total capital | 24,084,000 | 25,446,000 | 26,584,000 | 29,581,000 |
| Risk-weighted assets | 232,541,000 | 247,290,000 | 253,432,000 | 264,954,000 |