Call reports 2006
HERITAGE COMMUNITY BANK — 2006
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 69,815,000 | 75,401,000 | 79,367,000 | 78,189,000 |
| Total loans | 58,182,000 | 63,563,000 | 66,504,000 | 68,119,000 |
| Allowance for loan losses | 729,000 | 795,000 | 831,000 | 835,000 |
| Securities available for sale | 3,233,000 | 2,480,000 | 3,235,000 | 4,196,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,142,000 | 67,976,000 | 71,458,000 | 69,071,000 |
| Interest-bearing deposits | 53,664,000 | 60,814,000 | 63,940,000 | 61,197,000 |
| Noninterest-bearing deposits | 7,478,000 | 7,162,000 | 7,518,000 | 7,874,000 |
| Equity capital | 6,422,000 | 6,643,000 | 6,855,000 | 8,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,077,000 | 2,332,000 | 3,740,000 | 5,165,000 |
| Interest expense | 491,000 | 1,074,000 | 1,754,000 | 2,460,000 |
| Net interest income | 586,000 | 1,258,000 | 1,986,000 | 2,705,000 |
| Noninterest income | 46,000 | 120,000 | 191,000 | 271,000 |
| Noninterest expense | 632,000 | 1,249,000 | 1,906,000 | 2,643,000 |
| Provision for loan losses | 24,000 | 94,000 | 172,000 | 163,000 |
| Pretax income | -24,000 | 35,000 | 99,000 | 170,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -24,000 | 35,000 | 99,000 | 170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,286,000 | 6,512,000 | 6,722,000 | 8,136,000 |
| Total capital | 6,962,000 | 7,239,000 | 7,479,000 | 8,910,000 |
| Risk-weighted assets | 54,046,000 | 58,171,000 | 60,455,000 | 61,833,000 |