Call reports 2011
HERITAGE COMMUNITY BANK — 2011
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 143,274,000 | 144,397,000 | 153,159,000 | 155,432,000 |
| Total loans | 120,102,000 | 121,297,000 | 124,194,000 | 125,078,000 |
| Allowance for loan losses | 2,181,000 | 1,595,000 | 1,864,000 | 2,179,000 |
| Securities available for sale | 5,929,000 | 6,995,000 | 16,436,000 | 16,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,015,000 | 130,786,000 | 139,870,000 | 141,168,000 |
| Interest-bearing deposits | 114,772,000 | 114,680,000 | 121,908,000 | 119,941,000 |
| Noninterest-bearing deposits | 15,243,000 | 16,106,000 | 17,962,000 | 21,227,000 |
| Equity capital | 12,147,000 | 12,522,000 | 12,339,000 | 13,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,766,000 | 3,590,000 | 5,516,000 | 7,294,000 |
| Interest expense | 377,000 | 747,000 | 1,117,000 | 1,457,000 |
| Net interest income | 1,389,000 | 2,843,000 | 4,399,000 | 5,837,000 |
| Noninterest income | 97,000 | 228,000 | 301,000 | 460,000 |
| Noninterest expense | 1,111,000 | 2,230,000 | 3,268,000 | 4,370,000 |
| Provision for loan losses | 111,000 | 292,000 | 1,218,000 | 1,612,000 |
| Pretax income | 264,000 | 549,000 | 455,000 | 556,000 |
| Income tax | 0 | 116,000 | 79,000 | -551,000 |
| Net income | 264,000 | 433,000 | 376,000 | 1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,200,000 | 12,454,000 | 12,397,000 | 13,458,000 |
| Total capital | 13,872,000 | 14,049,000 | 14,099,000 | 15,168,000 |
| Risk-weighted assets | 133,252,000 | 134,573,000 | 136,035,000 | 137,271,000 |