Call reports 2007
HERITAGE COMMUNITY BANK — 2007
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 318,855,000 | 311,489,000 | 309,387,000 | 298,418,000 |
| Total loans | 239,355,000 | 243,291,000 | 243,777,000 | 227,973,000 |
| Allowance for loan losses | 2,934,000 | 3,083,000 | 3,004,000 | 4,456,000 |
| Securities available for sale | 42,254,000 | 42,101,000 | 40,068,000 | 40,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,923,000 | 279,202,000 | 276,367,000 | 268,379,000 |
| Interest-bearing deposits | 248,812,000 | 247,382,000 | 244,810,000 | 238,469,000 |
| Noninterest-bearing deposits | 37,111,000 | 31,820,000 | 31,557,000 | 29,910,000 |
| Equity capital | 30,381,000 | 28,604,000 | 29,066,000 | 26,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,312,000 | 13,030,000 | 19,335,000 | 24,368,000 |
| Interest expense | 2,472,000 | 5,028,000 | 7,665,000 | 10,203,000 |
| Net interest income | 3,840,000 | 8,002,000 | 11,670,000 | 14,165,000 |
| Noninterest income | 352,000 | 678,000 | 1,017,000 | 1,334,000 |
| Noninterest expense | 2,042,000 | 4,064,000 | 6,100,000 | 7,742,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 3,100,000 |
| Pretax income | 2,000,000 | 4,316,000 | 6,157,000 | 4,677,000 |
| Income tax | 22,000 | 48,000 | 63,000 | 55,000 |
| Net income | 1,978,000 | 4,268,000 | 6,094,000 | 4,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,435,000 | 28,725,000 | 29,051,000 | 26,579,000 |
| Total capital | 33,369,000 | 31,808,000 | 32,055,000 | 29,599,000 |
| Risk-weighted assets | 257,855,000 | 257,959,000 | 262,247,000 | 240,195,000 |