Call reports 2007
HERITAGE COMMUNITY BANK — 2007
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 41,044,000 | 53,314,000 | 55,650,000 | 55,401,000 |
| Total loans | 29,690,000 | 34,489,000 | 37,339,000 | 40,876,000 |
| Allowance for loan losses | 298,000 | 346,000 | 374,000 | 442,000 |
| Securities available for sale | 499,000 | 500,000 | 6,493,000 | 5,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,582,000 | 37,861,000 | 40,162,000 | 40,459,000 |
| Interest-bearing deposits | 23,140,000 | 34,168,000 | 36,347,000 | 35,335,000 |
| Noninterest-bearing deposits | 2,442,000 | 3,693,000 | 3,815,000 | 5,124,000 |
| Equity capital | 15,015,000 | 14,767,000 | 14,597,000 | 14,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 671,000 | 1,520,000 | 2,465,000 | 3,379,000 |
| Interest expense | 240,000 | 610,000 | 1,041,000 | 1,461,000 |
| Net interest income | 431,000 | 910,000 | 1,424,000 | 1,918,000 |
| Noninterest income | 7,000 | 15,000 | 33,000 | 59,000 |
| Noninterest expense | 607,000 | 1,293,000 | 1,981,000 | 2,652,000 |
| Provision for loan losses | 65,000 | 113,000 | 141,000 | 209,000 |
| Pretax income | -234,000 | -481,000 | -665,000 | -884,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -234,000 | -481,000 | -665,000 | -884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,015,000 | 14,767,000 | 14,584,000 | 14,364,000 |
| Total capital | 15,313,000 | 15,113,000 | 14,958,000 | 14,806,000 |
| Risk-weighted assets | 41,679,000 | 47,595,000 | 50,030,000 | 56,893,000 |