Call reports 2022
HERITAGE COMMUNITY BANK — 2022
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 138,092,000 | 140,413,000 | 143,161,000 | 152,834,000 |
| Total loans | 107,191,000 | 115,926,000 | 120,327,000 | 126,230,000 |
| Allowance for loan losses | 1,640,000 | 1,641,000 | 1,694,000 | 1,803,000 |
| Securities available for sale | 3,903,000 | 3,860,000 | 3,823,000 | 2,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,243,000 | 121,324,000 | 122,677,000 | 128,017,000 |
| Interest-bearing deposits | 97,123,000 | 97,331,000 | 97,559,000 | 104,335,000 |
| Noninterest-bearing deposits | 23,120,000 | 23,993,000 | 25,118,000 | 23,682,000 |
| Equity capital | 13,502,000 | 13,766,000 | 14,089,000 | 14,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,360,000 | 2,870,000 | 4,463,000 | 6,167,000 |
| Interest expense | 103,000 | 235,000 | 383,000 | 654,000 |
| Net interest income | 1,257,000 | 2,635,000 | 4,080,000 | 5,513,000 |
| Noninterest income | 81,000 | 176,000 | 276,000 | 367,000 |
| Noninterest expense | 1,007,000 | 2,169,000 | 3,255,000 | 4,363,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 210,000 |
| Pretax income | 331,000 | 642,000 | 1,001,000 | 1,208,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 331,000 | 642,000 | 1,001,000 | 1,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,599,000 | 13,912,000 | 14,270,000 | 14,427,000 |
| Total capital | 14,817,000 | 15,205,000 | 15,608,000 | 15,768,000 |
| Risk-weighted assets | 96,998,000 | 103,093,000 | 106,678,000 | 106,841,000 |