Call reports 2017
HERITAGE COMMUNITY BANK — 2017
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 94,407,000 | 97,289,000 | 97,722,000 | 100,343,000 |
| Total loans | 73,384,000 | 74,867,000 | 77,716,000 | 79,773,000 |
| Allowance for loan losses | 1,557,000 | 1,383,000 | 1,125,000 | 1,148,000 |
| Securities available for sale | 3,979,000 | 3,983,000 | 3,982,000 | 3,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,882,000 | 85,549,000 | 85,349,000 | 87,749,000 |
| Interest-bearing deposits | 70,982,000 | 72,108,000 | 72,390,000 | 75,272,000 |
| Noninterest-bearing deposits | 11,900,000 | 13,441,000 | 12,959,000 | 12,477,000 |
| Equity capital | 8,281,000 | 8,480,000 | 9,006,000 | 9,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 956,000 | 1,984,000 | 3,023,000 | 4,110,000 |
| Interest expense | 98,000 | 206,000 | 332,000 | 465,000 |
| Net interest income | 858,000 | 1,778,000 | 2,691,000 | 3,645,000 |
| Noninterest income | 93,000 | 169,000 | 244,000 | 326,000 |
| Noninterest expense | 788,000 | 1,591,000 | 2,430,000 | 3,313,000 |
| Provision for loan losses | 0 | 0 | -300,000 | -300,000 |
| Pretax income | 163,000 | 356,000 | 805,000 | 958,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 163,000 | 356,000 | 805,000 | 958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,272,000 | 8,466,000 | 8,997,000 | 9,225,000 |
| Total capital | 9,066,000 | 9,293,000 | 9,858,000 | 10,100,000 |
| Risk-weighted assets | 62,742,000 | 65,620,000 | 68,610,000 | 69,744,000 |