Call reports 2012
HERITAGE COMMUNITY BANK — 2012
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 102,997,000 | 103,084,000 | 102,361,000 | 104,586,000 |
| Total loans | 74,684,000 | 75,844,000 | 76,643,000 | 78,173,000 |
| Allowance for loan losses | 852,000 | 829,000 | 826,000 | 828,000 |
| Securities available for sale | 6,848,000 | 6,481,000 | 6,229,000 | 5,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,834,000 | 88,938,000 | 88,216,000 | 86,364,000 |
| Interest-bearing deposits | 75,022,000 | 74,384,000 | 73,018,000 | 70,259,000 |
| Noninterest-bearing deposits | 13,812,000 | 14,554,000 | 15,198,000 | 16,105,000 |
| Equity capital | 10,792,000 | 10,884,000 | 10,785,000 | 9,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,175,000 | 2,338,000 | 3,496,000 | 4,657,000 |
| Interest expense | 167,000 | 313,000 | 437,000 | 540,000 |
| Net interest income | 1,008,000 | 2,025,000 | 3,059,000 | 4,117,000 |
| Noninterest income | 126,000 | 214,000 | 290,000 | 296,000 |
| Noninterest expense | 990,000 | 1,933,000 | 2,930,000 | 3,853,000 |
| Provision for loan losses | 1,000 | 13,000 | 21,000 | 24,000 |
| Pretax income | 143,000 | 293,000 | 398,000 | 536,000 |
| Income tax | 48,000 | 95,000 | 128,000 | 235,000 |
| Net income | 95,000 | 198,000 | 270,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,636,000 | 10,740,000 | 10,614,000 | 9,487,000 |
| Total capital | 11,488,000 | 11,568,000 | 11,440,000 | 10,315,000 |
| Risk-weighted assets | 80,308,000 | 81,120,000 | 81,014,000 | 82,359,000 |