Call reports 2017
HERITAGE COMMUNITY BANK — 2017
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 113,853,000 | 114,079,000 | 114,734,000 | 116,907,000 |
| Total loans | 85,619,000 | 86,302,000 | 86,984,000 | 87,439,000 |
| Allowance for loan losses | 822,000 | 822,000 | 834,000 | 800,000 |
| Securities available for sale | 5,317,000 | 5,159,000 | 5,245,000 | 8,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,322,000 | 94,964,000 | 95,609,000 | 96,886,000 |
| Interest-bearing deposits | 75,113,000 | 76,104,000 | 76,309,000 | 76,197,000 |
| Noninterest-bearing deposits | 18,209,000 | 18,860,000 | 19,300,000 | 20,689,000 |
| Equity capital | 11,258,000 | 11,498,000 | 11,449,000 | 11,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,061,000 | 2,157,000 | 3,260,000 | 4,370,000 |
| Interest expense | 78,000 | 158,000 | 242,000 | 326,000 |
| Net interest income | 983,000 | 1,999,000 | 3,018,000 | 4,044,000 |
| Noninterest income | 244,000 | 506,000 | 751,000 | 1,032,000 |
| Noninterest expense | 1,022,000 | 2,005,000 | 3,004,000 | 4,004,000 |
| Provision for loan losses | 1,000 | 2,000 | 4,000 | 5,000 |
| Pretax income | 204,000 | 498,000 | 761,000 | 1,067,000 |
| Income tax | 52,000 | 146,000 | 227,000 | 525,000 |
| Net income | 152,000 | 352,000 | 534,000 | 542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,278,000 | 11,478,000 | 11,429,000 | 11,443,000 |
| Total capital | 12,100,000 | 12,300,000 | 12,263,000 | 12,243,000 |
| Risk-weighted assets | 90,996,000 | 91,048,000 | 91,158,000 | 92,610,000 |