Call reports 2006
HERITAGE COMMUNITY BANK — 2006
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 295,709,000 | 312,528,000 | 319,952,000 | 314,405,000 |
| Total loans | 233,071,000 | 250,500,000 | 256,465,000 | 250,770,000 |
| Allowance for loan losses | 2,615,000 | 2,566,000 | 2,635,000 | 2,780,000 |
| Securities available for sale | 35,730,000 | 35,430,000 | 39,390,000 | 37,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,984,000 | 278,759,000 | 283,010,000 | 283,091,000 |
| Interest-bearing deposits | 209,575,000 | 237,293,000 | 241,935,000 | 240,448,000 |
| Noninterest-bearing deposits | 53,409,000 | 41,466,000 | 41,075,000 | 42,643,000 |
| Equity capital | 27,971,000 | 27,856,000 | 29,025,000 | 28,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,469,000 | 11,701,000 | 18,349,000 | 24,964,000 |
| Interest expense | 1,673,000 | 3,690,000 | 6,128,000 | 8,620,000 |
| Net interest income | 3,796,000 | 8,011,000 | 12,221,000 | 16,344,000 |
| Noninterest income | 372,000 | 777,000 | 1,146,000 | 1,505,000 |
| Noninterest expense | 2,027,000 | 3,911,000 | 5,926,000 | 7,910,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,991,000 | 4,577,000 | 6,991,000 | 9,339,000 |
| Income tax | 32,000 | 61,000 | 87,000 | 115,000 |
| Net income | 1,959,000 | 4,516,000 | 6,904,000 | 9,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,112,000 | 28,097,000 | 29,111,000 | 28,457,000 |
| Total capital | 30,727,000 | 30,663,000 | 31,746,000 | 31,237,000 |
| Risk-weighted assets | 250,562,000 | 270,246,000 | 275,609,000 | 265,842,000 |