Call reports 2011
HERITAGE COMMUNITY BANK — 2011
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 106,340,000 | 102,990,000 | 101,406,000 | 103,652,000 |
| Total loans | 76,087,000 | 77,517,000 | 74,522,000 | 74,873,000 |
| Allowance for loan losses | 1,111,000 | 919,000 | 845,000 | 854,000 |
| Securities available for sale | 7,144,000 | 6,934,000 | 7,833,000 | 7,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,361,000 | 88,836,000 | 87,247,000 | 89,438,000 |
| Interest-bearing deposits | 78,685,000 | 75,287,000 | 73,792,000 | 75,393,000 |
| Noninterest-bearing deposits | 13,676,000 | 13,550,000 | 13,455,000 | 14,045,000 |
| Equity capital | 10,666,000 | 10,808,000 | 10,753,000 | 10,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,225,000 | 2,438,000 | 3,671,000 | 4,900,000 |
| Interest expense | 250,000 | 487,000 | 687,000 | 865,000 |
| Net interest income | 975,000 | 1,951,000 | 2,984,000 | 4,035,000 |
| Noninterest income | 204,000 | 412,000 | 422,000 | 369,000 |
| Noninterest expense | 1,042,000 | 2,014,000 | 2,979,000 | 3,874,000 |
| Provision for loan losses | 12,000 | 81,000 | 99,000 | 109,000 |
| Pretax income | 125,000 | 268,000 | 328,000 | 421,000 |
| Income tax | 46,000 | 99,000 | 113,000 | 70,000 |
| Net income | 79,000 | 169,000 | 215,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,620,000 | 10,710,000 | 10,633,000 | 10,767,000 |
| Total capital | 11,665,000 | 11,629,000 | 11,478,000 | 11,621,000 |
| Risk-weighted assets | 83,633,000 | 84,364,000 | 82,073,000 | 82,566,000 |