Call reports 2014
HERITAGE COMMUNITY BANK — 2014
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 100,419,000 | 102,683,000 | 100,083,000 | 102,357,000 |
| Total loans | 75,034,000 | 77,635,000 | 76,334,000 | 78,661,000 |
| Allowance for loan losses | 775,000 | 803,000 | 804,000 | 804,000 |
| Securities available for sale | 4,173,000 | 4,035,000 | 3,858,000 | 5,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,180,000 | 84,925,000 | 83,722,000 | 85,560,000 |
| Interest-bearing deposits | 66,513,000 | 68,036,000 | 67,171,000 | 69,326,000 |
| Noninterest-bearing deposits | 16,666,000 | 16,888,000 | 16,551,000 | 16,234,000 |
| Equity capital | 10,246,000 | 10,431,000 | 10,311,000 | 10,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,042,000 | 2,079,000 | 3,122,000 | 4,159,000 |
| Interest expense | 53,000 | 107,000 | 160,000 | 215,000 |
| Net interest income | 989,000 | 1,972,000 | 2,962,000 | 3,944,000 |
| Noninterest income | 230,000 | 498,000 | 740,000 | 985,000 |
| Noninterest expense | 1,013,000 | 1,981,000 | 2,992,000 | 4,062,000 |
| Provision for loan losses | -2,000 | 29,000 | 34,000 | 36,000 |
| Pretax income | 208,000 | 460,000 | 676,000 | 831,000 |
| Income tax | 85,000 | 171,000 | 251,000 | 197,000 |
| Net income | 123,000 | 289,000 | 425,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,193,000 | 10,359,000 | 10,246,000 | 10,455,000 |
| Total capital | 10,968,000 | 11,162,000 | 11,050,000 | 11,259,000 |
| Risk-weighted assets | 78,917,000 | 80,875,000 | 79,796,000 | 81,011,000 |