Call reports 2018
HERITAGE COMMUNITY BANK — 2018
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 102,351,000 | 100,042,000 | 101,721,000 | 105,739,000 |
| Total loans | 78,748,000 | 80,384,000 | 81,384,000 | 84,833,000 |
| Allowance for loan losses | 1,170,000 | 1,178,000 | 1,194,000 | 1,159,000 |
| Securities available for sale | 3,959,000 | 3,944,000 | 3,938,000 | 3,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,654,000 | 87,816,000 | 89,162,000 | 89,525,000 |
| Interest-bearing deposits | 77,800,000 | 74,967,000 | 76,697,000 | 76,557,000 |
| Noninterest-bearing deposits | 12,854,000 | 12,849,000 | 12,465,000 | 12,968,000 |
| Equity capital | 9,394,000 | 9,834,000 | 10,131,000 | 10,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,079,000 | 2,201,000 | 3,364,000 | 4,644,000 |
| Interest expense | 139,000 | 286,000 | 469,000 | 683,000 |
| Net interest income | 940,000 | 1,915,000 | 2,895,000 | 3,961,000 |
| Noninterest income | 82,000 | 162,000 | 247,000 | 429,000 |
| Noninterest expense | 837,000 | 1,708,000 | 2,557,000 | 3,531,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 185,000 | 369,000 | 585,000 | 859,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 185,000 | 369,000 | 585,000 | 859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,409,000 | 9,854,000 | 10,163,000 | 10,696,000 |
| Total capital | 10,274,000 | 10,713,000 | 11,033,000 | 11,618,000 |
| Risk-weighted assets | 68,870,000 | 68,424,000 | 69,289,000 | 73,518,000 |