Call reports 2014
HERITAGE COMMUNITY BANK — 2014
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 96,805,000 | 95,680,000 | 97,212,000 | 95,494,000 |
| Total loans | 71,349,000 | 70,265,000 | 69,197,000 | 65,968,000 |
| Allowance for loan losses | 1,338,000 | 1,640,000 | 1,354,000 | 1,220,000 |
| Securities available for sale | 5,643,000 | 5,690,000 | 5,692,000 | 5,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,051,000 | 84,830,000 | 86,508,000 | 87,773,000 |
| Interest-bearing deposits | 78,192,000 | 76,273,000 | 76,839,000 | 78,298,000 |
| Noninterest-bearing deposits | 7,859,000 | 8,557,000 | 9,669,000 | 9,475,000 |
| Equity capital | 5,920,000 | 5,920,000 | 5,858,000 | 5,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 986,000 | 1,912,000 | 2,859,000 | 3,823,000 |
| Interest expense | 140,000 | 279,000 | 417,000 | 555,000 |
| Net interest income | 846,000 | 1,633,000 | 2,442,000 | 3,268,000 |
| Noninterest income | 64,000 | 47,000 | -27,000 | -76,000 |
| Noninterest expense | 836,000 | 1,652,000 | 2,437,000 | 3,282,000 |
| Provision for loan losses | 14,000 | 14,000 | 28,000 | 28,000 |
| Pretax income | 60,000 | 14,000 | -50,000 | -118,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 60,000 | 14,000 | -50,000 | -118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,006,000 | 5,962,000 | 5,902,000 | 5,926,000 |
| Total capital | 6,886,000 | 6,826,000 | 6,727,000 | 6,709,000 |
| Risk-weighted assets | 69,934,000 | 68,316,000 | 65,499,000 | 62,208,000 |