Call reports 2004
HERITAGE COMMUNITY BANK — 2004
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,358,000 | 30,657,000 | 34,653,000 | 42,348,000 |
| Total loans | 13,285,000 | 20,564,000 | 29,235,000 | 34,953,000 |
| Allowance for loan losses | 167,000 | 256,000 | 366,000 | 438,000 |
| Securities available for sale | 0 | 738,000 | 748,000 | 743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,134,000 | 22,694,000 | 26,913,000 | 34,847,000 |
| Interest-bearing deposits | 13,545,000 | 19,321,000 | 23,335,000 | 31,501,000 |
| Noninterest-bearing deposits | 2,589,000 | 3,373,000 | 3,577,000 | 3,346,000 |
| Equity capital | 7,774,000 | 7,450,000 | 7,153,000 | 6,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 160,000 | 415,000 | 801,000 | 1,306,000 |
| Interest expense | 61,000 | 156,000 | 286,000 | 455,000 |
| Net interest income | 99,000 | 259,000 | 515,000 | 851,000 |
| Noninterest income | 6,000 | 15,000 | 17,000 | 38,000 |
| Noninterest expense | 392,000 | 803,000 | 1,257,000 | 1,785,000 |
| Provision for loan losses | 100,000 | 189,000 | 301,000 | 374,000 |
| Pretax income | -387,000 | -718,000 | -1,026,000 | -1,270,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -387,000 | -718,000 | -1,026,000 | -1,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,774,000 | 7,462,000 | 7,155,000 | 6,921,000 |
| Total capital | 7,941,000 | 7,718,000 | 7,492,000 | 7,320,000 |
| Risk-weighted assets | 17,219,000 | 20,824,000 | 26,974,000 | 31,871,000 |