Call reports 2002
HERITAGE COMMUNITY BANK — 2002
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 226,983,000 | 224,816,000 | 236,161,000 | 242,751,000 |
| Total loans | 150,458,000 | 158,090,000 | 171,615,000 | 179,182,000 |
| Allowance for loan losses | 1,481,000 | 1,626,000 | 1,722,000 | 1,891,000 |
| Securities available for sale | 49,440,000 | 50,034,000 | 48,586,000 | 45,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,713,000 | 194,436,000 | 190,195,000 | 199,647,000 |
| Interest-bearing deposits | 142,721,000 | 147,779,000 | 141,830,000 | 145,506,000 |
| Noninterest-bearing deposits | 50,992,000 | 46,657,000 | 48,365,000 | 54,141,000 |
| Equity capital | 20,150,000 | 20,677,000 | 21,045,000 | 21,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,284,000 | 6,640,000 | 9,993,000 | 13,631,000 |
| Interest expense | 865,000 | 1,675,000 | 2,453,000 | 3,224,000 |
| Net interest income | 2,419,000 | 4,965,000 | 7,540,000 | 10,407,000 |
| Noninterest income | 834,000 | 1,582,000 | 2,404,000 | 3,373,000 |
| Noninterest expense | 2,188,000 | 4,335,000 | 6,491,000 | 8,867,000 |
| Provision for loan losses | 100,000 | 250,000 | 400,000 | 550,000 |
| Pretax income | 965,000 | 1,962,000 | 3,053,000 | 4,367,000 |
| Income tax | 10,000 | 18,000 | 30,000 | 46,000 |
| Net income | 955,000 | 1,944,000 | 3,023,000 | 4,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,103,000 | 19,319,000 | 19,625,000 | 20,150,000 |
| Total capital | 20,584,000 | 20,945,000 | 21,347,000 | 22,041,000 |
| Risk-weighted assets | 152,131,000 | 159,810,000 | 166,348,000 | 173,860,000 |