Call reports 2004
HERITAGE COMMUNITY BANK — 2004
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,828,000 | 61,083,000 | 64,571,000 | 70,235,000 |
| Total loans | 49,234,000 | 52,855,000 | 53,465,000 | 55,052,000 |
| Allowance for loan losses | 511,000 | 524,000 | 563,000 | 590,000 |
| Securities available for sale | 3,318,000 | 3,624,000 | 3,627,000 | 3,556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,956,000 | 54,197,000 | 56,238,000 | 57,733,000 |
| Interest-bearing deposits | 46,918,000 | 46,610,000 | 49,255,000 | 49,410,000 |
| Noninterest-bearing deposits | 7,038,000 | 7,587,000 | 6,983,000 | 8,324,000 |
| Equity capital | 4,729,000 | 4,766,000 | 5,926,000 | 6,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 755,000 | 1,574,000 | 2,446,000 | 3,372,000 |
| Interest expense | 170,000 | 327,000 | 511,000 | 713,000 |
| Net interest income | 585,000 | 1,247,000 | 1,935,000 | 2,659,000 |
| Noninterest income | 115,000 | 252,000 | 395,000 | 522,000 |
| Noninterest expense | 624,000 | 1,228,000 | 1,847,000 | 2,498,000 |
| Provision for loan losses | 25,000 | 55,000 | 100,000 | 125,000 |
| Pretax income | 51,000 | 216,000 | 383,000 | 558,000 |
| Income tax | 19,000 | 80,000 | 141,000 | 206,000 |
| Net income | 32,000 | 136,000 | 242,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,729,000 | 4,833,000 | 5,939,000 | 6,049,000 |
| Total capital | 5,240,000 | 5,357,000 | 6,502,000 | 6,639,000 |
| Risk-weighted assets | 51,374,000 | 54,289,000 | 55,722,000 | 59,490,000 |
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