Call reports 2018
HERITAGE COMMUNITY BANK — 2018
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Total assets | 110,997,000 | 111,966,000 | 110,724,000 |
| Total loans | 83,380,000 | 84,405,000 | 83,777,000 |
| Allowance for loan losses | 695,000 | 775,000 | 772,000 |
| Securities available for sale | 7,737,000 | 7,421,000 | 7,063,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 94,072,000 | 94,923,000 | 93,691,000 |
| Interest-bearing deposits | 74,243,000 | 75,079,000 | 72,610,000 |
| Noninterest-bearing deposits | 19,829,000 | 19,844,000 | 21,081,000 |
| Equity capital | 11,451,000 | 11,603,000 | 11,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Interest income | 1,117,000 | 2,234,000 | 3,380,000 |
| Interest expense | 110,000 | 228,000 | 374,000 |
| Net interest income | 1,007,000 | 2,006,000 | 3,006,000 |
| Noninterest income | 295,000 | 543,000 | 790,000 |
| Noninterest expense | 1,000,000 | 1,976,000 | 2,949,000 |
| Provision for loan losses | 112,000 | 198,000 | 200,000 |
| Pretax income | 190,000 | 375,000 | 647,000 |
| Income tax | 43,000 | 70,000 | 152,000 |
| Net income | 147,000 | 305,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Tier 1 capital | 11,590,000 | 11,795,000 | 11,738,000 |
| Total capital | 12,285,000 | 12,570,000 | 12,510,000 |
| Risk-weighted assets | 87,548,000 | 88,305,000 | 87,970,000 |