Call reports 2001
HERITAGE COMMUNITY BANK — 2001
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 217,422,000 | 225,526,000 | 220,505,000 | 223,472,000 |
| Total loans | 155,097,000 | 150,769,000 | 151,043,000 | 151,171,000 |
| Allowance for loan losses | 1,858,000 | 1,925,000 | 1,925,000 | 1,478,000 |
| Securities available for sale | 42,491,000 | 48,725,000 | 48,940,000 | 46,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,554,000 | 184,157,000 | 185,986,000 | 185,329,000 |
| Interest-bearing deposits | 135,222,000 | 138,081,000 | 138,357,000 | 142,141,000 |
| Noninterest-bearing deposits | 44,332,000 | 46,076,000 | 47,629,000 | 43,188,000 |
| Equity capital | 19,278,000 | 19,624,000 | 20,154,000 | 20,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,037,000 | 7,826,000 | 11,532,000 | 14,970,000 |
| Interest expense | 1,601,000 | 2,963,000 | 4,193,000 | 5,194,000 |
| Net interest income | 2,436,000 | 4,863,000 | 7,339,000 | 9,776,000 |
| Noninterest income | 690,000 | 1,609,000 | 2,390,000 | 3,393,000 |
| Noninterest expense | 2,025,000 | 4,182,000 | 6,401,000 | 8,677,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 325,000 |
| Pretax income | 1,026,000 | 2,140,000 | 3,103,000 | 4,167,000 |
| Income tax | 35,000 | 47,000 | 33,000 | 46,000 |
| Net income | 991,000 | 2,093,000 | 3,070,000 | 4,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,109,000 | 18,438,000 | 18,642,000 | 18,921,000 |
| Total capital | 19,967,000 | 20,363,000 | 20,567,000 | 20,399,000 |
| Risk-weighted assets | 152,803,000 | 153,384,000 | 153,677,000 | 151,984,000 |