Call reports 2021
HERITAGE COMMUNITY BANK — 2021
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 133,229,000 | 131,360,000 | 140,003,000 | 140,387,000 |
| Total loans | 100,639,000 | 103,626,000 | 103,848,000 | 106,089,000 |
| Allowance for loan losses | 1,638,000 | 1,639,000 | 1,639,000 | 1,640,000 |
| Securities available for sale | 4,000,000 | 3,994,000 | 3,998,000 | 3,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,226,000 | 114,023,000 | 122,321,000 | 122,606,000 |
| Interest-bearing deposits | 94,366,000 | 94,191,000 | 100,919,000 | 100,272,000 |
| Noninterest-bearing deposits | 21,860,000 | 19,832,000 | 21,402,000 | 22,334,000 |
| Equity capital | 12,675,000 | 12,971,000 | 13,262,000 | 13,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,251,000 | 2,596,000 | 3,891,000 | 5,271,000 |
| Interest expense | 157,000 | 298,000 | 422,000 | 539,000 |
| Net interest income | 1,094,000 | 2,298,000 | 3,469,000 | 4,732,000 |
| Noninterest income | 114,000 | 197,000 | 286,000 | 374,000 |
| Noninterest expense | 959,000 | 1,945,000 | 2,917,000 | 4,064,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 249,000 | 550,000 | 838,000 | 1,042,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 249,000 | 550,000 | 838,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,675,000 | 12,977,000 | 13,264,000 | 13,468,000 |
| Total capital | 13,740,000 | 14,125,000 | 14,414,000 | 14,656,000 |
| Risk-weighted assets | 84,591,000 | 91,315,000 | 91,517,000 | 94,599,000 |