Call reports 2002
HERITAGE COMMUNITY BANK — 2002
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 331,942,000 | 331,441,000 | 321,567,000 | 323,448,000 |
| Total loans | 262,496,000 | 260,104,000 | 256,002,000 | 245,150,000 |
| Allowance for loan losses | 3,899,000 | 3,824,000 | 3,843,000 | 3,684,000 |
| Securities available for sale | 34,228,000 | 35,559,000 | 33,668,000 | 39,960,000 |
| Securities held to maturity | 1,149,000 | 935,000 | 827,000 | 700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,455,000 | 270,795,000 | 256,043,000 | 263,064,000 |
| Interest-bearing deposits | 244,168,000 | 242,115,000 | 233,164,000 | 240,917,000 |
| Noninterest-bearing deposits | 27,287,000 | 28,680,000 | 22,879,000 | 22,147,000 |
| Equity capital | 34,844,000 | 35,185,000 | 36,204,000 | 36,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,083,000 | 11,795,000 | 17,451,000 | 22,800,000 |
| Interest expense | 2,124,000 | 3,950,000 | 5,733,000 | 7,410,000 |
| Net interest income | 3,959,000 | 7,845,000 | 11,718,000 | 15,390,000 |
| Noninterest income | 633,000 | 1,225,000 | 2,737,000 | 3,515,000 |
| Noninterest expense | 2,415,000 | 4,933,000 | 7,683,000 | 10,184,000 |
| Provision for loan losses | 100,000 | 135,000 | 515,000 | 610,000 |
| Pretax income | 2,077,000 | 4,002,000 | 6,257,000 | 8,111,000 |
| Income tax | 784,000 | 1,521,000 | 2,270,000 | 2,940,000 |
| Net income | 1,293,000 | 2,481,000 | 3,987,000 | 5,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,927,000 | 28,941,000 | 29,890,000 | 29,811,000 |
| Total capital | 31,868,000 | 31,803,000 | 32,783,000 | 32,663,000 |
| Risk-weighted assets | 234,440,000 | 227,967,000 | 230,516,000 | 227,915,000 |