Call reports 2007
HERITAGE COMMUNITY BANK — 2007
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 86,691,000 | 93,208,000 | 97,910,000 | 101,380,000 |
| Total loans | 73,993,000 | 78,308,000 | 83,180,000 | 86,827,000 |
| Allowance for loan losses | 833,000 | 831,000 | 827,000 | 889,000 |
| Securities available for sale | 1,996,000 | 1,996,000 | 3,511,000 | 3,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,004,000 | 76,884,000 | 79,315,000 | 80,603,000 |
| Interest-bearing deposits | 66,288,000 | 68,839,000 | 71,326,000 | 73,372,000 |
| Noninterest-bearing deposits | 7,716,000 | 8,045,000 | 7,989,000 | 7,231,000 |
| Equity capital | 8,379,000 | 8,527,000 | 8,672,000 | 8,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,472,000 | 3,115,000 | 4,840,000 | 6,656,000 |
| Interest expense | 742,000 | 1,609,000 | 2,537,000 | 3,518,000 |
| Net interest income | 730,000 | 1,506,000 | 2,303,000 | 3,138,000 |
| Noninterest income | 69,000 | 138,000 | 208,000 | 336,000 |
| Noninterest expense | 696,000 | 1,415,000 | 2,129,000 | 2,928,000 |
| Provision for loan losses | 0 | 4,000 | 26,000 | 92,000 |
| Pretax income | 103,000 | 225,000 | 356,000 | 454,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 103,000 | 225,000 | 356,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,240,000 | 8,391,000 | 8,525,000 | 8,624,000 |
| Total capital | 9,073,000 | 9,222,000 | 9,352,000 | 9,513,000 |
| Risk-weighted assets | 66,918,000 | 70,359,000 | 74,592,000 | 76,987,000 |