Call reports 2023
HERITAGE COMMUNITY BANK — 2023
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 156,550,000 | 156,212,000 | 156,687,000 | 154,606,000 |
| Total loans | 125,076,000 | 125,885,000 | 126,963,000 | 128,817,000 |
| Allowance for loan losses | 1,749,000 | 1,719,000 | 1,711,000 | 1,715,000 |
| Securities available for sale | 2,937,000 | 2,868,000 | 2,879,000 | 2,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,368,000 | 129,638,000 | 129,753,000 | 127,462,000 |
| Interest-bearing deposits | 106,780,000 | 106,082,000 | 107,135,000 | 105,454,000 |
| Noninterest-bearing deposits | 23,588,000 | 23,556,000 | 22,618,000 | 22,008,000 |
| Equity capital | 14,681,000 | 14,895,000 | 15,204,000 | 15,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,898,000 | 3,875,000 | 5,964,000 | 8,087,000 |
| Interest expense | 491,000 | 1,119,000 | 1,821,000 | 2,615,000 |
| Net interest income | 1,407,000 | 2,756,000 | 4,143,000 | 5,472,000 |
| Noninterest income | 100,000 | 192,000 | 303,000 | 403,000 |
| Noninterest expense | 1,190,000 | 2,401,000 | 3,634,000 | 4,927,000 |
| Provision for loan losses | 0 | -32,000 | -41,000 | -38,000 |
| Pretax income | 317,000 | 567,000 | 879,000 | 1,002,000 |
| Income tax | 0 | 0 | 0 | -107,000 |
| Net income | 317,000 | 567,000 | 879,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,685,000 | 14,932,000 | 15,252,000 | 15,487,000 |
| Total capital | 16,012,000 | 16,247,000 | 16,566,000 | 16,786,000 |
| Risk-weighted assets | 105,614,000 | 104,672,000 | 104,638,000 | 103,408,000 |