Call reports 2013
HERITAGE COMMUNITY BANK — 2013
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 103,585,000 | 100,676,000 | 99,666,000 | 95,618,000 |
| Total loans | 76,832,000 | 74,154,000 | 71,986,000 | 74,298,000 |
| Allowance for loan losses | 810,000 | 792,000 | 790,000 | 780,000 |
| Securities available for sale | 5,252,000 | 4,841,000 | 4,544,000 | 4,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,783,000 | 87,171,000 | 86,004,000 | 81,995,000 |
| Interest-bearing deposits | 71,629,000 | 69,912,000 | 66,856,000 | 66,178,000 |
| Noninterest-bearing deposits | 16,154,000 | 17,259,000 | 19,148,000 | 15,817,000 |
| Equity capital | 9,807,000 | 9,998,000 | 10,057,000 | 10,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,117,000 | 2,197,000 | 3,276,000 | 4,308,000 |
| Interest expense | 97,000 | 179,000 | 248,000 | 301,000 |
| Net interest income | 1,020,000 | 2,018,000 | 3,028,000 | 4,007,000 |
| Noninterest income | 215,000 | 427,000 | 674,000 | 841,000 |
| Noninterest expense | 939,000 | 1,903,000 | 2,905,000 | 4,124,000 |
| Provision for loan losses | 18,000 | -99,000 | -219,000 | -216,000 |
| Pretax income | 278,000 | 641,000 | 1,016,000 | 940,000 |
| Income tax | 94,000 | 207,000 | 320,000 | 106,000 |
| Net income | 184,000 | 434,000 | 696,000 | 834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,670,000 | 9,920,000 | 9,983,000 | 10,070,000 |
| Total capital | 10,480,000 | 10,712,000 | 10,773,000 | 10,849,000 |
| Risk-weighted assets | 80,961,000 | 78,237,000 | 76,102,000 | 77,363,000 |