Call reports 2010
HERITAGE COMMUNITY BANK — 2010
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 109,506,000 | 111,762,000 | 108,063,000 | 105,269,000 |
| Total loans | 83,947,000 | 85,571,000 | 83,391,000 | 80,910,000 |
| Allowance for loan losses | 1,156,000 | 1,191,000 | 1,153,000 | 1,118,000 |
| Securities available for sale | 5,292,000 | 5,209,000 | 4,185,000 | 5,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,782,000 | 94,002,000 | 94,030,000 | 89,942,000 |
| Interest-bearing deposits | 81,079,000 | 81,039,000 | 82,343,000 | 77,979,000 |
| Noninterest-bearing deposits | 11,702,000 | 12,963,000 | 11,688,000 | 11,963,000 |
| Equity capital | 10,430,000 | 10,509,000 | 10,611,000 | 10,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,311,000 | 2,699,000 | 4,068,000 | 5,402,000 |
| Interest expense | 321,000 | 642,000 | 943,000 | 1,214,000 |
| Net interest income | 990,000 | 2,057,000 | 3,125,000 | 4,188,000 |
| Noninterest income | 152,000 | 310,000 | 322,000 | 347,000 |
| Noninterest expense | 996,000 | 1,943,000 | 2,918,000 | 3,870,000 |
| Provision for loan losses | 35,000 | 85,000 | 97,000 | 112,000 |
| Pretax income | 111,000 | 339,000 | 432,000 | 553,000 |
| Income tax | 31,000 | 100,000 | 131,000 | 215,000 |
| Net income | 80,000 | 239,000 | 301,000 | 338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,362,000 | 10,442,000 | 10,504,000 | 10,540,000 |
| Total capital | 11,477,000 | 11,586,000 | 11,605,000 | 11,645,000 |
| Risk-weighted assets | 89,388,000 | 91,426,000 | 87,590,000 | 88,435,000 |