Call reports 2004
HERITAGE COMMUNITY BANK — 2004
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 245,256,000 | 235,240,000 | 242,803,000 | 260,912,000 |
| Total loans | 184,783,000 | 188,028,000 | 200,288,000 | 207,929,000 |
| Allowance for loan losses | 1,837,000 | 1,911,000 | 2,011,000 | 2,090,000 |
| Securities available for sale | 38,085,000 | 32,267,000 | 27,005,000 | 28,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,198,000 | 199,790,000 | 216,575,000 | 232,591,000 |
| Interest-bearing deposits | 155,728,000 | 148,000,000 | 160,461,000 | 176,566,000 |
| Noninterest-bearing deposits | 61,470,000 | 51,790,000 | 56,114,000 | 56,025,000 |
| Equity capital | 21,794,000 | 21,735,000 | 22,173,000 | 22,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,016,000 | 6,236,000 | 9,468,000 | 13,305,000 |
| Interest expense | 449,000 | 874,000 | 1,408,000 | 2,110,000 |
| Net interest income | 2,567,000 | 5,362,000 | 8,060,000 | 11,195,000 |
| Noninterest income | 632,000 | 1,180,000 | 1,759,000 | 2,312,000 |
| Noninterest expense | 2,148,000 | 4,231,000 | 6,340,000 | 8,377,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 395,000 |
| Pretax income | 976,000 | 2,161,000 | 3,254,000 | 4,735,000 |
| Income tax | 13,000 | 31,000 | 46,000 | 69,000 |
| Net income | 963,000 | 2,130,000 | 3,208,000 | 4,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,246,000 | 21,641,000 | 21,946,000 | 22,631,000 |
| Total capital | 23,083,000 | 23,552,000 | 23,957,000 | 24,721,000 |
| Risk-weighted assets | 194,270,000 | 201,059,000 | 211,527,000 | 225,578,000 |