Call reports 2003
HERITAGE COMMUNITY BANK — 2003
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 48,609,000 | 51,205,000 | 53,261,000 | 57,396,000 |
| Total loans | 38,158,000 | 41,361,000 | 44,607,000 | 48,263,000 |
| Allowance for loan losses | 396,000 | 419,000 | 447,000 | 483,000 |
| Securities available for sale | 1,507,000 | 2,041,000 | 2,403,000 | 2,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,782,000 | 46,344,000 | 47,411,000 | 50,475,000 |
| Interest-bearing deposits | 38,142,000 | 40,499,000 | 41,400,000 | 43,472,000 |
| Noninterest-bearing deposits | 5,640,000 | 5,845,000 | 6,011,000 | 7,003,000 |
| Equity capital | 4,605,000 | 4,639,000 | 4,634,000 | 4,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 635,000 | 1,314,000 | 2,019,000 | 2,763,000 |
| Interest expense | 174,000 | 359,000 | 540,000 | 710,000 |
| Net interest income | 461,000 | 955,000 | 1,479,000 | 2,053,000 |
| Noninterest income | 107,000 | 245,000 | 386,000 | 496,000 |
| Noninterest expense | 479,000 | 1,048,000 | 1,633,000 | 2,202,000 |
| Provision for loan losses | 27,000 | 52,000 | 96,000 | 132,000 |
| Pretax income | 62,000 | 100,000 | 136,000 | 215,000 |
| Income tax | 23,000 | 37,000 | 50,000 | 80,000 |
| Net income | 39,000 | 63,000 | 86,000 | 135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,601,000 | 4,625,000 | 4,647,000 | 4,697,000 |
| Total capital | 4,997,000 | 5,044,000 | 5,094,000 | 5,180,000 |
| Risk-weighted assets | 39,263,000 | 43,114,000 | 46,223,000 | 50,189,000 |
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