Call reports 2019
HERITAGE COMMUNITY BANK — 2019
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 111,778,000 | 113,288,000 | 117,598,000 | 121,031,000 |
| Total loans | 89,568,000 | 91,795,000 | 97,321,000 | 98,119,000 |
| Allowance for loan losses | 1,163,000 | 1,147,000 | 1,151,000 | 1,155,000 |
| Securities available for sale | 3,475,000 | 3,493,000 | 3,493,000 | 3,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,438,000 | 97,677,000 | 97,644,000 | 100,842,000 |
| Interest-bearing deposits | 82,111,000 | 83,707,000 | 83,755,000 | 86,619,000 |
| Noninterest-bearing deposits | 14,327,000 | 13,970,000 | 13,889,000 | 14,223,000 |
| Equity capital | 10,885,000 | 11,083,000 | 11,322,000 | 11,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,257,000 | 2,623,000 | 4,039,000 | 5,463,000 |
| Interest expense | 275,000 | 615,000 | 972,000 | 1,327,000 |
| Net interest income | 982,000 | 2,008,000 | 3,067,000 | 4,136,000 |
| Noninterest income | 74,000 | 161,000 | 244,000 | 355,000 |
| Noninterest expense | 864,000 | 1,793,000 | 2,695,000 | 3,588,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 192,000 | 376,000 | 616,000 | 903,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 192,000 | 376,000 | 616,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,892,000 | 11,077,000 | 11,320,000 | 11,610,000 |
| Total capital | 11,854,000 | 12,090,000 | 12,387,000 | 12,646,000 |
| Risk-weighted assets | 76,784,000 | 80,896,000 | 85,272,000 | 82,752,000 |