Call reports 2015
HERITAGE COMMUNITY BANK — 2015
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 102,347,000 | 102,360,000 | 103,091,000 | 107,436,000 |
| Total loans | 78,236,000 | 78,990,000 | 78,435,000 | 81,449,000 |
| Allowance for loan losses | 801,000 | 782,000 | 779,000 | 792,000 |
| Securities available for sale | 5,329,000 | 5,072,000 | 5,581,000 | 5,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,041,000 | 89,466,000 | 87,262,000 | 89,891,000 |
| Interest-bearing deposits | 71,530,000 | 72,709,000 | 69,397,000 | 72,947,000 |
| Noninterest-bearing deposits | 16,511,000 | 16,757,000 | 17,865,000 | 16,944,000 |
| Equity capital | 10,666,000 | 10,763,000 | 10,657,000 | 10,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,028,000 | 2,030,000 | 3,028,000 | 4,058,000 |
| Interest expense | 59,000 | 113,000 | 170,000 | 226,000 |
| Net interest income | 969,000 | 1,917,000 | 2,858,000 | 3,832,000 |
| Noninterest income | 240,000 | 480,000 | 745,000 | 998,000 |
| Noninterest expense | 979,000 | 2,000,000 | 3,017,000 | 4,041,000 |
| Provision for loan losses | 11,000 | 10,000 | 13,000 | 14,000 |
| Pretax income | 219,000 | 387,000 | 573,000 | 775,000 |
| Income tax | 70,000 | 127,000 | 196,000 | 315,000 |
| Net income | 149,000 | 260,000 | 377,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,604,000 | 10,715,000 | 10,609,000 | 10,691,000 |
| Total capital | 11,405,000 | 11,497,000 | 11,388,000 | 11,484,000 |
| Risk-weighted assets | 80,369,000 | 81,391,000 | 82,554,000 | 85,162,000 |