Call reports 2015
HERITAGE COMMUNITY BANK — 2015
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 90,613,000 | 92,974,000 | 90,655,000 | 91,093,000 |
| Total loans | 66,316,000 | 67,857,000 | 68,424,000 | 69,617,000 |
| Allowance for loan losses | 1,383,000 | 1,438,000 | 1,440,000 | 1,455,000 |
| Securities available for sale | 5,767,000 | 5,754,000 | 5,784,000 | 4,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,221,000 | 86,242,000 | 83,711,000 | 83,550,000 |
| Interest-bearing deposits | 75,531,000 | 75,930,000 | 73,626,000 | 72,999,000 |
| Noninterest-bearing deposits | 8,690,000 | 10,313,000 | 10,085,000 | 10,552,000 |
| Equity capital | 6,103,000 | 6,312,000 | 6,610,000 | 7,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 938,000 | 1,876,000 | 2,806,000 | 3,753,000 |
| Interest expense | 102,000 | 195,000 | 289,000 | 382,000 |
| Net interest income | 836,000 | 1,681,000 | 2,517,000 | 3,371,000 |
| Noninterest income | 113,000 | 75,000 | 208,000 | 305,000 |
| Noninterest expense | 865,000 | 1,659,000 | 2,536,000 | 3,345,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 84,000 | 97,000 | 189,000 | 331,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 84,000 | 97,000 | 189,000 | 331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,108,000 | 6,330,000 | 6,601,000 | 7,172,000 |
| Total capital | 6,870,000 | 7,082,000 | 7,371,000 | 7,930,000 |
| Risk-weighted assets | 60,383,000 | 59,510,000 | 60,903,000 | 59,973,000 |