Call reports 2012
HERITAGE COMMUNITY BANK — 2012
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 112,642,000 | 108,771,000 | 107,819,000 | 103,680,000 |
| Total loans | 81,083,000 | 76,476,000 | 77,041,000 | 76,269,000 |
| Allowance for loan losses | 1,579,000 | 1,562,000 | 2,563,000 | 1,906,000 |
| Securities available for sale | 4,500,000 | 5,965,000 | 6,915,000 | 5,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,013,000 | 97,065,000 | 96,812,000 | 93,025,000 |
| Interest-bearing deposits | 92,580,000 | 91,051,000 | 90,112,000 | 85,429,000 |
| Noninterest-bearing deposits | 6,433,000 | 6,014,000 | 6,700,000 | 7,596,000 |
| Equity capital | 7,371,000 | 6,841,000 | 6,070,000 | 5,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,243,000 | 2,461,000 | 3,655,000 | 4,825,000 |
| Interest expense | 268,000 | 508,000 | 714,000 | 906,000 |
| Net interest income | 975,000 | 1,953,000 | 2,941,000 | 3,919,000 |
| Noninterest income | 106,000 | -540,000 | -488,000 | -794,000 |
| Noninterest expense | 891,000 | 1,749,000 | 2,619,000 | 3,461,000 |
| Provision for loan losses | 75,000 | 100,000 | 1,067,000 | 1,092,000 |
| Pretax income | 115,000 | -436,000 | -1,233,000 | -1,428,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 115,000 | -436,000 | -1,233,000 | -1,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,260,000 | 6,717,000 | 5,923,000 | 5,731,000 |
| Total capital | 8,287,000 | 7,695,000 | 6,902,000 | 6,669,000 |
| Risk-weighted assets | 81,641,000 | 77,516,000 | 76,763,000 | 74,095,000 |