Call reports 2025
HERITAGE COMMUNITY BANK — 2025
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 177,668,000 | 181,972,000 | 184,767,000 | 178,792,000 |
| Total loans | 147,080,000 | 148,214,000 | 150,203,000 | 151,419,000 |
| Allowance for loan losses | 1,950,000 | 1,951,000 | 1,938,000 | 1,924,000 |
| Securities available for sale | 2,470,000 | 2,474,000 | 2,488,000 | 2,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,934,000 | 152,958,000 | 155,094,000 | 146,073,000 |
| Interest-bearing deposits | 127,525,000 | 128,791,000 | 130,838,000 | 124,121,000 |
| Noninterest-bearing deposits | 21,409,000 | 24,167,000 | 24,256,000 | 21,952,000 |
| Equity capital | 16,855,000 | 17,216,000 | 17,660,000 | 18,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,511,000 | 5,128,000 | 7,889,000 | 10,676,000 |
| Interest expense | 965,000 | 1,953,000 | 2,949,000 | 3,955,000 |
| Net interest income | 1,546,000 | 3,175,000 | 4,940,000 | 6,721,000 |
| Noninterest income | 107,000 | 207,000 | 320,000 | 437,000 |
| Noninterest expense | 1,289,000 | 2,571,000 | 3,852,000 | 5,297,000 |
| Provision for loan losses | 88,000 | 88,000 | 76,000 | 64,000 |
| Pretax income | 287,000 | 734,000 | 1,275,000 | 1,712,000 |
| Income tax | -281,000 | -191,000 | -87,000 | -20,000 |
| Net income | 568,000 | 925,000 | 1,362,000 | 1,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,878,000 | 17,234,000 | 17,672,000 | 18,041,000 |
| Total capital | 18,344,000 | 18,735,000 | 19,225,000 | 19,641,000 |
| Risk-weighted assets | 116,688,000 | 119,514,000 | 123,733,000 | 127,528,000 |