Call reports 2013
HERITAGE COMMUNITY BANK — 2013
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 146,259,000 | 141,023,000 | 139,207,000 | 134,542,000 |
| Total loans | 124,995,000 | 123,950,000 | 119,194,000 | 112,179,000 |
| Allowance for loan losses | 3,585,000 | 2,853,000 | 2,894,000 | 2,910,000 |
| Securities available for sale | 5,930,000 | 5,370,000 | 5,002,000 | 4,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,781,000 | 130,961,000 | 129,094,000 | 124,318,000 |
| Interest-bearing deposits | 114,560,000 | 110,160,000 | 106,958,000 | 103,055,000 |
| Noninterest-bearing deposits | 21,221,000 | 20,801,000 | 22,136,000 | 21,263,000 |
| Equity capital | 9,694,000 | 9,486,000 | 9,601,000 | 9,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,678,000 | 3,391,000 | 5,009,000 | 6,534,000 |
| Interest expense | 213,000 | 416,000 | 602,000 | 775,000 |
| Net interest income | 1,465,000 | 2,975,000 | 4,407,000 | 5,759,000 |
| Noninterest income | 149,000 | 249,000 | 358,000 | 447,000 |
| Noninterest expense | 1,436,000 | 2,516,000 | 3,921,000 | 5,035,000 |
| Provision for loan losses | 162,000 | 765,000 | 795,000 | 1,007,000 |
| Pretax income | 16,000 | -57,000 | 49,000 | 164,000 |
| Income tax | 8,000 | 0 | 0 | 0 |
| Net income | 8,000 | -57,000 | 49,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,616,000 | 9,550,000 | 9,656,000 | 9,771,000 |
| Total capital | 11,187,000 | 11,103,000 | 11,166,000 | 11,173,000 |
| Risk-weighted assets | 123,659,000 | 122,942,000 | 119,428,000 | 110,682,000 |