Call reports 2008
HERITAGE COMMUNITY BANK — 2008
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 109,183,000 | 111,636,000 | 113,531,000 | 117,779,000 |
| Total loans | 92,408,000 | 96,029,000 | 97,962,000 | 96,055,000 |
| Allowance for loan losses | 942,000 | 955,000 | 968,000 | 1,002,000 |
| Securities available for sale | 3,544,000 | 3,000,000 | 3,027,000 | 3,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,143,000 | 82,021,000 | 83,791,000 | 87,860,000 |
| Interest-bearing deposits | 75,383,000 | 75,112,000 | 76,333,000 | 82,059,000 |
| Noninterest-bearing deposits | 6,760,000 | 6,909,000 | 7,459,000 | 5,801,000 |
| Equity capital | 8,649,000 | 9,273,000 | 9,340,000 | 9,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,734,000 | 3,460,000 | 5,191,000 | 6,864,000 |
| Interest expense | 921,000 | 1,769,000 | 2,627,000 | 3,496,000 |
| Net interest income | 813,000 | 1,691,000 | 2,564,000 | 3,368,000 |
| Noninterest income | 76,000 | 178,000 | 273,000 | 389,000 |
| Noninterest expense | 870,000 | 1,737,000 | 2,641,000 | 3,584,000 |
| Provision for loan losses | 59,000 | 91,000 | 115,000 | 154,000 |
| Pretax income | -40,000 | 41,000 | 81,000 | 19,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -40,000 | 41,000 | 81,000 | 19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,473,000 | 9,144,000 | 9,187,000 | 9,159,000 |
| Total capital | 9,415,000 | 10,099,000 | 10,155,000 | 10,161,000 |
| Risk-weighted assets | 82,447,000 | 85,844,000 | 86,956,000 | 87,350,000 |