Call reports 2024
HERITAGE COMMUNITY BANK — 2024
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 162,739,000 | 166,158,000 | 167,128,000 | 167,393,000 |
| Total loans | 131,335,000 | 134,797,000 | 136,683,000 | 140,591,000 |
| Allowance for loan losses | 1,653,000 | 1,724,000 | 1,831,000 | 1,863,000 |
| Securities available for sale | 2,938,000 | 3,177,000 | 3,206,000 | 2,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,356,000 | 138,599,000 | 139,107,000 | 139,406,000 |
| Interest-bearing deposits | 113,588,000 | 116,021,000 | 117,859,000 | 117,403,000 |
| Noninterest-bearing deposits | 21,768,000 | 22,578,000 | 21,248,000 | 22,003,000 |
| Equity capital | 15,576,000 | 15,858,000 | 16,158,000 | 16,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,200,000 | 4,599,000 | 7,125,000 | 9,604,000 |
| Interest expense | 886,000 | 1,799,000 | 2,780,000 | 3,757,000 |
| Net interest income | 1,314,000 | 2,800,000 | 4,345,000 | 5,847,000 |
| Noninterest income | 102,000 | 179,000 | 282,000 | 409,000 |
| Noninterest expense | 1,190,000 | 2,360,000 | 3,590,000 | 5,053,000 |
| Provision for loan losses | -63,000 | 7,000 | 113,000 | 146,000 |
| Pretax income | 314,000 | 630,000 | 927,000 | 1,060,000 |
| Income tax | 0 | 39,000 | 55,000 | 65,000 |
| Net income | 314,000 | 591,000 | 872,000 | 995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,608,000 | 15,891,000 | 16,178,000 | 16,307,000 |
| Total capital | 16,921,000 | 17,255,000 | 17,570,000 | 17,715,000 |
| Risk-weighted assets | 104,645,000 | 108,687,000 | 110,862,000 | 112,086,000 |