Call reports 2007
HERITAGE COMMUNITY BANK — 2007
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 87,328,000 | 90,716,000 | 93,499,000 | 102,591,000 |
| Total loans | 66,647,000 | 68,118,000 | 74,809,000 | 79,577,000 |
| Allowance for loan losses | 742,000 | 741,000 | 737,000 | 777,000 |
| Securities available for sale | 6,119,000 | 5,914,000 | 5,910,000 | 6,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,772,000 | 76,560,000 | 74,817,000 | 84,174,000 |
| Interest-bearing deposits | 62,094,000 | 66,720,000 | 64,801,000 | 73,556,000 |
| Noninterest-bearing deposits | 8,678,000 | 9,840,000 | 10,016,000 | 10,618,000 |
| Equity capital | 9,118,000 | 9,067,000 | 9,252,000 | 9,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,464,000 | 3,008,000 | 4,617,000 | 6,359,000 |
| Interest expense | 628,000 | 1,305,000 | 1,992,000 | 2,796,000 |
| Net interest income | 836,000 | 1,703,000 | 2,625,000 | 3,563,000 |
| Noninterest income | 181,000 | 383,000 | 587,000 | 813,000 |
| Noninterest expense | 854,000 | 1,737,000 | 2,646,000 | 3,578,000 |
| Provision for loan losses | 20,000 | 40,000 | 67,000 | 122,000 |
| Pretax income | 143,000 | 309,000 | 499,000 | 676,000 |
| Income tax | 53,000 | 115,000 | 185,000 | 250,000 |
| Net income | 90,000 | 194,000 | 314,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,135,000 | 9,140,000 | 9,263,000 | 9,311,000 |
| Total capital | 9,877,000 | 9,881,000 | 10,000,000 | 10,088,000 |
| Risk-weighted assets | 77,054,000 | 78,672,000 | 78,784,000 | 90,802,000 |
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