Call reports 2003
HERITAGE COMMUNITY BANK — 2003
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q4 |
|---|---|
| Total assets | 15,849,000 |
| Total loans | 5,398,000 |
| Allowance for loan losses | 67,000 |
| Securities available for sale | 0 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 6,785,000 |
| Interest-bearing deposits | 5,053,000 |
| Noninterest-bearing deposits | 1,732,000 |
| Equity capital | 8,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q4 |
|---|---|
| Interest income | 27,000 |
| Interest expense | 7,000 |
| Net interest income | 20,000 |
| Noninterest income | 0 |
| Noninterest expense | 792,000 |
| Provision for loan losses | 67,000 |
| Pretax income | -839,000 |
| Income tax | 0 |
| Net income | -839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q4 |
|---|---|
| Tier 1 capital | 8,161,000 |
| Total capital | 8,228,000 |
| Risk-weighted assets | 9,128,000 |