Call reports 2010
HERITAGE COMMUNITY BANK — 2010
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 126,936,000 | 123,573,000 | 122,232,000 | 121,114,000 |
| Total loans | 98,609,000 | 93,069,000 | 89,094,000 | 86,174,000 |
| Allowance for loan losses | 1,949,000 | 1,976,000 | 1,428,000 | 1,500,000 |
| Securities available for sale | 2,485,000 | 4,515,000 | 5,765,000 | 3,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,746,000 | 106,882,000 | 104,246,000 | 103,692,000 |
| Interest-bearing deposits | 96,749,000 | 102,017,000 | 99,124,000 | 98,582,000 |
| Noninterest-bearing deposits | 5,997,000 | 4,865,000 | 5,122,000 | 5,110,000 |
| Equity capital | 9,211,000 | 9,283,000 | 10,559,000 | 10,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,667,000 | 3,137,000 | 4,603,000 | 5,932,000 |
| Interest expense | 644,000 | 1,232,000 | 1,758,000 | 2,247,000 |
| Net interest income | 1,023,000 | 1,905,000 | 2,845,000 | 3,685,000 |
| Noninterest income | 284,000 | 383,000 | 501,000 | 752,000 |
| Noninterest expense | 782,000 | 1,633,000 | 2,478,000 | 3,521,000 |
| Provision for loan losses | 87,000 | 174,000 | 596,000 | 1,508,000 |
| Pretax income | 438,000 | 481,000 | 272,000 | -592,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 438,000 | 481,000 | 272,000 | -592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,116,000 | 9,161,000 | 10,441,000 | 9,918,000 |
| Total capital | 10,266,000 | 10,296,000 | 11,536,000 | 10,976,000 |
| Risk-weighted assets | 92,875,000 | 91,292,000 | 88,856,000 | 87,015,000 |