Call reports 2009
HERITAGE COMMUNITY BANK — 2009
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 116,461,000 | 119,133,000 | 121,545,000 | 122,597,000 |
| Total loans | 96,165,000 | 96,617,000 | 99,577,000 | 101,104,000 |
| Allowance for loan losses | 1,046,000 | 1,106,000 | 1,064,000 | 1,871,000 |
| Securities available for sale | 3,076,000 | 2,570,000 | 2,500,000 | 2,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,783,000 | 91,365,000 | 93,585,000 | 97,505,000 |
| Interest-bearing deposits | 84,294,000 | 85,637,000 | 88,252,000 | 92,158,000 |
| Noninterest-bearing deposits | 4,489,000 | 5,728,000 | 5,333,000 | 5,347,000 |
| Equity capital | 9,290,000 | 9,289,000 | 9,600,000 | 8,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,518,000 | 3,116,000 | 4,750,000 | 6,310,000 |
| Interest expense | 799,000 | 1,560,000 | 2,310,000 | 2,994,000 |
| Net interest income | 719,000 | 1,556,000 | 2,440,000 | 3,316,000 |
| Noninterest income | 78,000 | 159,000 | 249,000 | 340,000 |
| Noninterest expense | 834,000 | 1,733,000 | 2,635,000 | 3,572,000 |
| Provision for loan losses | 52,000 | 116,000 | 175,000 | 1,076,000 |
| Pretax income | -89,000 | -134,000 | -104,000 | -975,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -89,000 | -134,000 | -104,000 | -975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,134,000 | 9,142,000 | 9,484,000 | 8,676,000 |
| Total capital | 10,180,000 | 10,248,000 | 10,548,000 | 9,853,000 |
| Risk-weighted assets | 87,568,000 | 89,208,000 | 91,969,000 | 93,374,000 |