Call reports 2016
HERITAGE COMMUNITY BANK — 2016
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 110,187,000 | 113,731,000 | 113,111,000 | 113,518,000 |
| Total loans | 84,209,000 | 86,342,000 | 85,841,000 | 86,779,000 |
| Allowance for loan losses | 794,000 | 814,000 | 802,000 | 821,000 |
| Securities available for sale | 6,291,000 | 6,581,000 | 6,306,000 | 5,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,439,000 | 96,981,000 | 95,321,000 | 93,214,000 |
| Interest-bearing deposits | 76,327,000 | 78,250,000 | 78,570,000 | 76,551,000 |
| Noninterest-bearing deposits | 17,112,000 | 18,731,000 | 16,751,000 | 16,663,000 |
| Equity capital | 10,836,000 | 10,977,000 | 11,028,000 | 11,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,030,000 | 2,091,000 | 3,155,000 | 4,222,000 |
| Interest expense | 70,000 | 142,000 | 213,000 | 282,000 |
| Net interest income | 960,000 | 1,949,000 | 2,942,000 | 3,940,000 |
| Noninterest income | 226,000 | 480,000 | 728,000 | 963,000 |
| Noninterest expense | 1,038,000 | 2,091,000 | 3,113,000 | 4,098,000 |
| Provision for loan losses | 3,000 | 22,000 | 27,000 | 47,000 |
| Pretax income | 145,000 | 316,000 | 530,000 | 758,000 |
| Income tax | 42,000 | 97,000 | 181,000 | 240,000 |
| Net income | 103,000 | 219,000 | 349,000 | 518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,796,000 | 10,910,000 | 10,955,000 | 11,126,000 |
| Total capital | 11,590,000 | 11,724,000 | 11,757,000 | 11,947,000 |
| Risk-weighted assets | 88,423,000 | 90,890,000 | 91,181,000 | 91,386,000 |