Call reports 2009
HERITAGE COMMUNITY BANK — 2009
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 110,249,000 | 108,377,000 | 110,989,000 | 106,277,000 |
| Total loans | 83,243,000 | 85,111,000 | 86,370,000 | 83,038,000 |
| Allowance for loan losses | 1,532,000 | 1,093,000 | 1,144,000 | 1,132,000 |
| Securities available for sale | 7,405,000 | 5,206,000 | 4,125,000 | 4,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,775,000 | 89,567,000 | 92,066,000 | 89,918,000 |
| Interest-bearing deposits | 81,281,000 | 79,470,000 | 81,901,000 | 79,404,000 |
| Noninterest-bearing deposits | 10,495,000 | 10,098,000 | 10,165,000 | 10,514,000 |
| Equity capital | 10,108,000 | 10,240,000 | 10,365,000 | 10,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,373,000 | 2,712,000 | 4,090,000 | 5,403,000 |
| Interest expense | 532,000 | 966,000 | 1,363,000 | 1,723,000 |
| Net interest income | 841,000 | 1,746,000 | 2,727,000 | 3,680,000 |
| Noninterest income | 201,000 | 422,000 | 579,000 | 726,000 |
| Noninterest expense | 945,000 | 1,898,000 | 2,899,000 | 4,109,000 |
| Provision for loan losses | 410,000 | 431,000 | 490,000 | 529,000 |
| Pretax income | -313,000 | -161,000 | -83,000 | -232,000 |
| Income tax | -25,000 | -13,000 | -7,000 | -167,000 |
| Net income | -288,000 | -148,000 | -76,000 | -65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,059,000 | 10,199,000 | 10,272,000 | 10,282,000 |
| Total capital | 11,591,000 | 11,293,000 | 11,416,000 | 11,393,000 |
| Risk-weighted assets | 89,595,000 | 90,294,000 | 92,124,000 | 88,883,000 |