Call reports 2005
HERITAGE COMMUNITY BANK — 2005
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 71,829,000 | 73,632,000 | 74,618,000 | 71,032,000 |
| Total loans | 56,286,000 | 56,920,000 | 56,205,000 | 58,586,000 |
| Allowance for loan losses | 623,000 | 636,000 | 650,000 | 681,000 |
| Securities available for sale | 7,992,000 | 7,780,000 | 6,900,000 | 6,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,212,000 | 60,822,000 | 61,542,000 | 58,747,000 |
| Interest-bearing deposits | 52,575,000 | 52,853,000 | 53,156,000 | 49,146,000 |
| Noninterest-bearing deposits | 6,637,000 | 7,969,000 | 8,386,000 | 9,601,000 |
| Equity capital | 6,095,000 | 6,254,000 | 6,402,000 | 6,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,041,000 | 2,150,000 | 3,294,000 | 4,480,000 |
| Interest expense | 279,000 | 578,000 | 910,000 | 1,288,000 |
| Net interest income | 762,000 | 1,572,000 | 2,384,000 | 3,192,000 |
| Noninterest income | 99,000 | 236,000 | 386,000 | 570,000 |
| Noninterest expense | 663,000 | 1,347,000 | 2,046,000 | 2,757,000 |
| Provision for loan losses | 36,000 | 60,000 | 84,000 | 120,000 |
| Pretax income | 162,000 | 401,000 | 640,000 | 885,000 |
| Income tax | 60,000 | 148,000 | 237,000 | 327,000 |
| Net income | 102,000 | 253,000 | 403,000 | 558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,150,000 | 6,302,000 | 6,452,000 | 6,605,000 |
| Total capital | 6,773,000 | 6,938,000 | 7,102,000 | 7,286,000 |
| Risk-weighted assets | 61,079,000 | 61,969,000 | 62,077,000 | 63,965,000 |
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