Call reports 2003
HERITAGE COMMUNITY BANK — 2003
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 244,194,000 | 243,221,000 | 241,607,000 | 238,267,000 |
| Total loans | 173,152,000 | 170,120,000 | 175,508,000 | 172,384,000 |
| Allowance for loan losses | 2,000,000 | 2,172,000 | 2,278,000 | 1,678,000 |
| Securities available for sale | 41,796,000 | 49,439,000 | 48,408,000 | 49,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,075,000 | 212,438,000 | 208,381,000 | 206,941,000 |
| Interest-bearing deposits | 157,013,000 | 159,235,000 | 157,572,000 | 154,010,000 |
| Noninterest-bearing deposits | 49,062,000 | 53,203,000 | 50,809,000 | 52,931,000 |
| Equity capital | 21,521,000 | 21,924,000 | 21,819,000 | 21,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,416,000 | 6,819,000 | 9,968,000 | 13,004,000 |
| Interest expense | 658,000 | 1,277,000 | 1,833,000 | 2,347,000 |
| Net interest income | 2,758,000 | 5,542,000 | 8,135,000 | 10,657,000 |
| Noninterest income | 809,000 | 1,671,000 | 2,492,000 | 3,108,000 |
| Noninterest expense | 2,185,000 | 4,343,000 | 6,569,000 | 8,730,000 |
| Provision for loan losses | 150,000 | 300,000 | 400,000 | 580,000 |
| Pretax income | 1,232,000 | 2,570,000 | 3,658,000 | 4,455,000 |
| Income tax | 16,000 | 33,000 | 46,000 | 57,000 |
| Net income | 1,216,000 | 2,537,000 | 3,612,000 | 4,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,493,000 | 20,941,000 | 21,143,000 | 21,057,000 |
| Total capital | 22,493,000 | 23,113,000 | 23,421,000 | 22,735,000 |
| Risk-weighted assets | 184,833,000 | 179,830,000 | 187,165,000 | 184,504,000 |