Call reports 2008
HERITAGE COMMUNITY BANK — 2008
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 104,968,000 | 109,652,000 | 112,047,000 | 107,687,000 |
| Total loans | 84,045,000 | 88,285,000 | 87,042,000 | 87,071,000 |
| Allowance for loan losses | 802,000 | 850,000 | 876,000 | 1,132,000 |
| Securities available for sale | 6,200,000 | 5,843,000 | 7,231,000 | 8,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,358,000 | 89,371,000 | 92,787,000 | 87,947,000 |
| Interest-bearing deposits | 77,640,000 | 77,763,000 | 82,902,000 | 78,354,000 |
| Noninterest-bearing deposits | 10,718,000 | 11,608,000 | 9,885,000 | 9,594,000 |
| Equity capital | 9,462,000 | 9,553,000 | 9,593,000 | 9,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,658,000 | 3,302,000 | 4,898,000 | 6,363,000 |
| Interest expense | 794,000 | 1,535,000 | 2,239,000 | 2,925,000 |
| Net interest income | 864,000 | 1,767,000 | 2,659,000 | 3,438,000 |
| Noninterest income | 223,000 | 545,000 | 735,000 | 936,000 |
| Noninterest expense | 940,000 | 1,865,000 | 2,836,000 | 3,826,000 |
| Provision for loan losses | 32,000 | 87,000 | 116,000 | 478,000 |
| Pretax income | 115,000 | 360,000 | 442,000 | 70,000 |
| Income tax | 37,000 | 115,000 | 141,000 | -49,000 |
| Net income | 78,000 | 245,000 | 301,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,390,000 | 9,543,000 | 9,538,000 | 9,594,000 |
| Total capital | 10,192,000 | 10,393,000 | 10,414,000 | 10,726,000 |
| Risk-weighted assets | 90,590,000 | 92,488,000 | 92,058,000 | 91,824,000 |