Call reports 2009
HERITAGE COMMUNITY BANK — 2009
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 107,370,000 | 127,569,000 | 137,728,000 | 131,275,000 |
| Total loans | 88,006,000 | 93,462,000 | 99,381,000 | 104,657,000 |
| Allowance for loan losses | 970,000 | 1,100,000 | 1,230,000 | 1,563,000 |
| Securities available for sale | 4,212,000 | 7,326,000 | 7,300,000 | 7,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,789,000 | 114,464,000 | 124,873,000 | 119,212,000 |
| Interest-bearing deposits | 84,134,000 | 102,744,000 | 114,633,000 | 110,071,000 |
| Noninterest-bearing deposits | 9,655,000 | 11,720,000 | 10,240,000 | 9,141,000 |
| Equity capital | 12,272,000 | 11,760,000 | 11,740,000 | 11,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,268,000 | 2,721,000 | 4,359,000 | 5,973,000 |
| Interest expense | 653,000 | 1,380,000 | 2,067,000 | 2,644,000 |
| Net interest income | 615,000 | 1,341,000 | 2,292,000 | 3,329,000 |
| Noninterest income | 154,000 | 241,000 | 324,000 | 390,000 |
| Noninterest expense | 1,037,000 | 2,163,000 | 3,196,000 | 4,363,000 |
| Provision for loan losses | 238,000 | 368,000 | 498,000 | 1,084,000 |
| Pretax income | -377,000 | -820,000 | -949,000 | -1,599,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -377,000 | -820,000 | -949,000 | -1,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,261,000 | 11,818,000 | 11,689,000 | 11,040,000 |
| Total capital | 13,231,000 | 12,918,000 | 12,919,000 | 12,551,000 |
| Risk-weighted assets | 101,281,000 | 110,333,000 | 116,970,000 | 120,812,000 |