Call reports 2005
HERITAGE COMMUNITY BANK — 2005
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 47,629,000 | 55,214,000 | 59,643,000 | 64,533,000 |
| Total loans | 41,124,000 | 51,648,000 | 51,672,000 | 55,640,000 |
| Allowance for loan losses | 514,000 | 647,000 | 654,000 | 696,000 |
| Securities available for sale | 739,000 | 740,000 | 1,242,000 | 2,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,320,000 | 45,750,000 | 50,836,000 | 55,646,000 |
| Interest-bearing deposits | 37,381,000 | 40,623,000 | 46,136,000 | 50,131,000 |
| Noninterest-bearing deposits | 2,939,000 | 5,127,000 | 4,701,000 | 5,515,000 |
| Equity capital | 6,738,000 | 6,589,000 | 6,596,000 | 6,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 593,000 | 1,367,000 | 2,256,000 | 3,259,000 |
| Interest expense | 215,000 | 518,000 | 895,000 | 1,326,000 |
| Net interest income | 378,000 | 849,000 | 1,361,000 | 1,933,000 |
| Noninterest income | 20,000 | 46,000 | 94,000 | 177,000 |
| Noninterest expense | 493,000 | 1,030,000 | 1,602,000 | 2,227,000 |
| Provision for loan losses | 76,000 | 222,000 | 225,000 | 284,000 |
| Pretax income | -171,000 | -357,000 | -372,000 | -401,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -171,000 | -357,000 | -372,000 | -401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,750,000 | 6,599,000 | 6,429,000 | 6,470,000 |
| Total capital | 7,227,000 | 7,192,000 | 7,038,000 | 7,129,000 |
| Risk-weighted assets | 38,441,000 | 47,418,000 | 48,724,000 | 52,653,000 |