Call reports 2020
HERITAGE COMMUNITY BANK — 2020
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 125,717,000 | 134,874,000 | 132,240,000 | 127,267,000 |
| Total loans | 101,305,000 | 104,797,000 | 101,932,000 | 102,293,000 |
| Allowance for loan losses | 1,279,000 | 1,253,000 | 1,623,000 | 1,636,000 |
| Securities available for sale | 3,513,000 | 3,507,000 | 3,505,000 | 4,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,412,000 | 115,349,000 | 112,462,000 | 110,436,000 |
| Interest-bearing deposits | 90,826,000 | 95,416,000 | 92,648,000 | 91,485,000 |
| Noninterest-bearing deposits | 15,586,000 | 19,933,000 | 19,814,000 | 18,951,000 |
| Equity capital | 11,868,000 | 12,040,000 | 12,277,000 | 12,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,406,000 | 2,811,000 | 4,200,000 | 5,515,000 |
| Interest expense | 336,000 | 642,000 | 906,000 | 1,228,000 |
| Net interest income | 1,070,000 | 2,169,000 | 3,294,000 | 4,287,000 |
| Noninterest income | 76,000 | 190,000 | 284,000 | 445,000 |
| Noninterest expense | 907,000 | 1,871,000 | 2,825,000 | 3,813,000 |
| Provision for loan losses | 0 | 71,000 | 96,000 | 108,000 |
| Pretax income | 239,000 | 417,000 | 657,000 | 811,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 239,000 | 417,000 | 657,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,851,000 | 12,032,000 | 12,272,000 | 12,426,000 |
| Total capital | 12,915,000 | 13,147,000 | 13,355,000 | 13,503,000 |
| Risk-weighted assets | 84,915,000 | 89,138,000 | 86,134,000 | 85,602,000 |