Call reports 2011
HERITAGE COMMUNITY BANK — 2011
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 119,136,000 | 121,793,000 | 114,857,000 | 109,250,000 |
| Total loans | 84,198,000 | 83,181,000 | 79,269,000 | 83,261,000 |
| Allowance for loan losses | 1,549,000 | 1,355,000 | 1,484,000 | 1,540,000 |
| Securities available for sale | 3,749,000 | 5,309,000 | 4,049,000 | 4,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,771,000 | 104,404,000 | 99,184,000 | 95,632,000 |
| Interest-bearing deposits | 96,545,000 | 98,169,000 | 91,656,000 | 89,828,000 |
| Noninterest-bearing deposits | 5,225,000 | 6,235,000 | 7,528,000 | 5,804,000 |
| Equity capital | 10,083,000 | 9,982,000 | 9,348,000 | 7,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,288,000 | 2,538,000 | 3,820,000 | 5,095,000 |
| Interest expense | 432,000 | 828,000 | 1,184,000 | 1,483,000 |
| Net interest income | 856,000 | 1,710,000 | 2,636,000 | 3,612,000 |
| Noninterest income | 126,000 | 224,000 | 321,000 | 23,000 |
| Noninterest expense | 845,000 | 1,827,000 | 2,739,000 | 3,578,000 |
| Provision for loan losses | 74,000 | 164,000 | 924,000 | 2,846,000 |
| Pretax income | 63,000 | -57,000 | -706,000 | -2,789,000 |
| Income tax | 0 | 2,000 | 0 | 0 |
| Net income | 63,000 | -59,000 | -706,000 | -2,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,985,000 | 9,866,000 | 9,221,000 | 7,142,000 |
| Total capital | 11,038,000 | 10,919,000 | 10,244,000 | 8,170,000 |
| Risk-weighted assets | 83,763,000 | 83,926,000 | 81,350,000 | 81,767,000 |