Call reports 2005
HERITAGE COMMUNITY BANK — 2005
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 278,331,000 | 276,134,000 | 296,896,000 | 286,427,000 |
| Total loans | 221,657,000 | 223,783,000 | 243,118,000 | 233,691,000 |
| Allowance for loan losses | 2,221,000 | 2,290,000 | 2,452,000 | 2,464,000 |
| Securities available for sale | 25,183,000 | 24,963,000 | 24,833,000 | 35,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,738,000 | 241,469,000 | 261,418,000 | 255,656,000 |
| Interest-bearing deposits | 191,734,000 | 190,184,000 | 203,775,000 | 203,444,000 |
| Noninterest-bearing deposits | 57,004,000 | 51,285,000 | 57,643,000 | 52,212,000 |
| Equity capital | 23,378,000 | 25,298,000 | 26,480,000 | 26,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,069,000 | 8,519,000 | 13,498,000 | 19,124,000 |
| Interest expense | 894,000 | 1,985,000 | 3,321,000 | 4,889,000 |
| Net interest income | 3,175,000 | 6,534,000 | 10,177,000 | 14,235,000 |
| Noninterest income | 497,000 | 1,060,000 | 1,551,000 | 1,999,000 |
| Noninterest expense | 1,974,000 | 3,976,000 | 5,946,000 | 7,953,000 |
| Provision for loan losses | 148,000 | 223,000 | 348,000 | 498,000 |
| Pretax income | 1,550,000 | 3,395,000 | 5,439,000 | 7,783,000 |
| Income tax | 23,000 | 43,000 | 69,000 | 96,000 |
| Net income | 1,527,000 | 3,352,000 | 5,370,000 | 7,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,385,000 | 25,237,000 | 26,482,000 | 26,126,000 |
| Total capital | 25,606,000 | 27,527,000 | 28,934,000 | 28,590,000 |
| Risk-weighted assets | 241,073,000 | 241,754,000 | 259,224,000 | 251,315,000 |