Call reports 2016
HERITAGE COMMUNITY BANK — 2016
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 89,435,000 | 89,033,000 | 89,643,000 | 90,273,000 |
| Total loans | 68,689,000 | 68,186,000 | 72,617,000 | 72,888,000 |
| Allowance for loan losses | 1,460,000 | 1,481,000 | 1,513,000 | 1,484,000 |
| Securities available for sale | 4,494,000 | 4,505,000 | 4,006,000 | 3,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,866,000 | 81,209,000 | 81,390,000 | 81,814,000 |
| Interest-bearing deposits | 71,585,000 | 71,088,000 | 70,699,000 | 71,408,000 |
| Noninterest-bearing deposits | 10,281,000 | 10,121,000 | 10,691,000 | 10,406,000 |
| Equity capital | 7,297,000 | 7,475,000 | 7,870,000 | 8,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 922,000 | 1,831,000 | 2,835,000 | 3,822,000 |
| Interest expense | 87,000 | 175,000 | 260,000 | 350,000 |
| Net interest income | 835,000 | 1,656,000 | 2,575,000 | 3,472,000 |
| Noninterest income | 84,000 | 212,000 | 292,000 | 371,000 |
| Noninterest expense | 809,000 | 1,605,000 | 2,433,000 | 3,249,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 263,000 | 434,000 | 594,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 110,000 | 263,000 | 434,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,273,000 | 7,441,000 | 7,837,000 | 8,108,000 |
| Total capital | 8,019,000 | 8,178,000 | 8,620,000 | 8,898,000 |
| Risk-weighted assets | 59,001,000 | 58,239,000 | 61,935,000 | 62,485,000 |