Call reports 2013
HERITAGE COMMUNITY BANK — 2013
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 101,826,000 | 98,417,000 | 98,737,000 | 97,818,000 |
| Total loans | 74,881,000 | 73,194,000 | 73,443,000 | 72,466,000 |
| Allowance for loan losses | 1,952,000 | 1,910,000 | 1,889,000 | 1,648,000 |
| Securities available for sale | 5,807,000 | 5,660,000 | 5,617,000 | 5,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,200,000 | 88,329,000 | 87,868,000 | 87,155,000 |
| Interest-bearing deposits | 84,278,000 | 81,464,000 | 81,423,000 | 80,868,000 |
| Noninterest-bearing deposits | 6,922,000 | 6,865,000 | 6,445,000 | 6,287,000 |
| Equity capital | 5,722,000 | 5,166,000 | 5,872,000 | 5,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,079,000 | 2,087,000 | 3,125,000 | 4,130,000 |
| Interest expense | 171,000 | 331,000 | 482,000 | 630,000 |
| Net interest income | 908,000 | 1,756,000 | 2,643,000 | 3,500,000 |
| Noninterest income | -19,000 | -337,000 | -267,000 | -523,000 |
| Noninterest expense | 937,000 | 1,816,000 | 2,636,000 | 3,439,000 |
| Provision for loan losses | 75,000 | 135,000 | 135,000 | 135,000 |
| Pretax income | -97,000 | -506,000 | -369,000 | -571,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -97,000 | -506,000 | -369,000 | -571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,637,000 | 5,231,000 | 5,982,000 | 5,893,000 |
| Total capital | 6,569,000 | 6,139,000 | 6,880,000 | 6,781,000 |
| Risk-weighted assets | 73,545,000 | 71,678,000 | 70,871,000 | 70,225,000 |