Call reports 2012
HERITAGE COMMUNITY BANK — 2012
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 154,880,000 | 151,052,000 | 148,832,000 | 144,901,000 |
| Total loans | 126,326,000 | 126,363,000 | 123,787,000 | 124,172,000 |
| Allowance for loan losses | 2,023,000 | 2,959,000 | 2,814,000 | 3,383,000 |
| Securities available for sale | 6,801,000 | 7,244,000 | 6,933,000 | 6,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,041,000 | 136,758,000 | 135,472,000 | 133,502,000 |
| Interest-bearing deposits | 119,977,000 | 115,230,000 | 114,516,000 | 110,849,000 |
| Noninterest-bearing deposits | 20,065,000 | 21,528,000 | 20,956,000 | 22,653,000 |
| Equity capital | 13,930,000 | 13,402,000 | 12,653,000 | 9,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,788,000 | 3,580,000 | 5,339,000 | 7,020,000 |
| Interest expense | 300,000 | 578,000 | 832,000 | 1,069,000 |
| Net interest income | 1,488,000 | 3,002,000 | 4,507,000 | 5,951,000 |
| Noninterest income | 144,000 | 292,000 | 427,000 | 541,000 |
| Noninterest expense | 1,131,000 | 2,257,000 | 3,416,000 | 4,829,000 |
| Provision for loan losses | 300,000 | 1,703,000 | 3,526,000 | 5,315,000 |
| Pretax income | 201,000 | -666,000 | -2,008,000 | -3,652,000 |
| Income tax | 82,000 | -263,000 | -797,000 | 494,000 |
| Net income | 119,000 | -403,000 | -1,211,000 | -4,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,872,000 | 13,351,000 | 12,543,000 | 9,608,000 |
| Total capital | 15,550,000 | 15,029,000 | 14,171,000 | 11,180,000 |
| Risk-weighted assets | 133,862,000 | 133,069,000 | 129,033,000 | 123,966,000 |