Call reports 2001
HERITAGE COMMUNITY BANK — 2001
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 118,464,000 | 113,725,000 | 112,948,000 | 354,348,000 |
| Total loans | 97,561,000 | 89,112,000 | 86,721,000 | 274,174,000 |
| Allowance for loan losses | 1,149,000 | 1,170,000 | 1,175,000 | 4,217,000 |
| Securities available for sale | 2,698,000 | 4,451,000 | 10,134,000 | 30,102,000 |
| Securities held to maturity | 1,670,000 | 1,570,000 | 1,110,000 | 1,315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,967,000 | 94,082,000 | 92,683,000 | 294,082,000 |
| Interest-bearing deposits | 89,897,000 | 86,706,000 | 85,089,000 | 263,784,000 |
| Noninterest-bearing deposits | 8,070,000 | 7,376,000 | 7,594,000 | 30,298,000 |
| Equity capital | 8,991,000 | 9,074,000 | 9,268,000 | 34,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,339,000 | 4,703,000 | 6,850,000 | 28,486,000 |
| Interest expense | 1,214,000 | 2,346,000 | 3,366,000 | 12,813,000 |
| Net interest income | 1,125,000 | 2,357,000 | 3,484,000 | 15,673,000 |
| Noninterest income | 124,000 | 279,000 | 431,000 | 2,166,000 |
| Noninterest expense | 722,000 | 1,538,000 | 2,262,000 | 9,413,000 |
| Provision for loan losses | 54,000 | 108,000 | 167,000 | 538,000 |
| Pretax income | 475,000 | 992,000 | 1,492,000 | 7,894,000 |
| Income tax | 179,000 | 376,000 | 573,000 | 3,125,000 |
| Net income | 296,000 | 616,000 | 919,000 | 4,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,844,000 | 8,003,000 | 8,185,000 | 28,507,000 |
| Total capital | 8,763,000 | 8,837,000 | 9,012,000 | 31,648,000 |
| Risk-weighted assets | 73,279,000 | 66,357,000 | 65,775,000 | 249,234,000 |