Call reports 2010
HERITAGE COMMUNITY BANK — 2010
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 127,006,000 | 137,858,000 | 143,030,000 | 139,746,000 |
| Total loans | 110,152,000 | 116,590,000 | 116,703,000 | 118,748,000 |
| Allowance for loan losses | 1,803,000 | 2,186,000 | 1,900,000 | 2,070,000 |
| Securities available for sale | 6,756,000 | 6,582,000 | 6,218,000 | 6,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,874,000 | 125,963,000 | 130,849,000 | 127,776,000 |
| Interest-bearing deposits | 104,521,000 | 114,358,000 | 117,358,000 | 112,755,000 |
| Noninterest-bearing deposits | 10,353,000 | 11,605,000 | 13,491,000 | 15,021,000 |
| Equity capital | 10,975,000 | 10,886,000 | 11,103,000 | 11,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,620,000 | 3,338,000 | 5,121,000 | 6,928,000 |
| Interest expense | 501,000 | 988,000 | 1,432,000 | 1,829,000 |
| Net interest income | 1,119,000 | 2,350,000 | 3,689,000 | 5,099,000 |
| Noninterest income | 77,000 | 167,000 | 275,000 | 388,000 |
| Noninterest expense | 1,093,000 | 2,191,000 | 3,297,000 | 4,278,000 |
| Provision for loan losses | 240,000 | 678,000 | 807,000 | 1,315,000 |
| Pretax income | -137,000 | -352,000 | -140,000 | 44,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -137,000 | -352,000 | -140,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,903,000 | 10,688,000 | 10,900,000 | 11,084,000 |
| Total capital | 12,460,000 | 12,326,000 | 12,548,000 | 12,733,000 |
| Risk-weighted assets | 124,343,000 | 130,510,000 | 131,559,000 | 131,463,000 |