Call reports 2006
HERITAGE COMMUNITY BANK — 2006
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 73,075,000 | 77,565,000 | 80,208,000 | 81,135,000 |
| Total loans | 57,584,000 | 62,893,000 | 62,802,000 | 64,058,000 |
| Allowance for loan losses | 718,000 | 736,000 | 718,000 | 745,000 |
| Securities available for sale | 6,057,000 | 5,924,000 | 6,089,000 | 6,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,204,000 | 60,434,000 | 64,339,000 | 64,811,000 |
| Interest-bearing deposits | 51,598,000 | 52,562,000 | 55,606,000 | 55,694,000 |
| Noninterest-bearing deposits | 8,606,000 | 7,872,000 | 8,733,000 | 9,117,000 |
| Equity capital | 6,632,000 | 8,794,000 | 9,000,000 | 9,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,216,000 | 2,554,000 | 3,939,000 | 5,340,000 |
| Interest expense | 405,000 | 866,000 | 1,396,000 | 1,980,000 |
| Net interest income | 811,000 | 1,688,000 | 2,543,000 | 3,360,000 |
| Noninterest income | 174,000 | 359,000 | 562,000 | 774,000 |
| Noninterest expense | 704,000 | 1,446,000 | 2,216,000 | 3,048,000 |
| Provision for loan losses | 36,000 | 72,000 | 111,000 | 144,000 |
| Pretax income | 245,000 | 529,000 | 778,000 | 942,000 |
| Income tax | 91,000 | 196,000 | 288,000 | 348,000 |
| Net income | 154,000 | 333,000 | 490,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,509,000 | 8,645,000 | 9,047,000 | 9,096,000 |
| Total capital | 7,227,000 | 9,381,000 | 9,765,000 | 9,841,000 |
| Risk-weighted assets | 64,403,000 | 69,140,000 | 70,871,000 | 72,183,000 |
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