Call reports 2003
HERITAGE COMMUNITY BANK — 2003
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 327,294,000 | 313,700,000 | 306,947,000 | 266,307,000 |
| Total loans | 241,487,000 | 236,982,000 | 226,025,000 | 191,659,000 |
| Allowance for loan losses | 3,670,000 | 3,701,000 | 3,409,000 | 3,765,000 |
| Securities available for sale | 49,433,000 | 45,203,000 | 43,282,000 | 43,762,000 |
| Securities held to maturity | 594,000 | 587,000 | 439,000 | 434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,654,000 | 254,741,000 | 249,127,000 | 207,831,000 |
| Interest-bearing deposits | 237,073,000 | 226,383,000 | 221,679,000 | 186,903,000 |
| Noninterest-bearing deposits | 24,581,000 | 28,358,000 | 27,448,000 | 20,928,000 |
| Equity capital | 35,689,000 | 34,916,000 | 34,423,000 | 34,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,006,000 | 9,782,000 | 14,247,000 | 18,489,000 |
| Interest expense | 1,513,000 | 2,926,000 | 4,232,000 | 5,436,000 |
| Net interest income | 3,493,000 | 6,856,000 | 10,015,000 | 13,053,000 |
| Noninterest income | 1,084,000 | 2,253,000 | 3,305,000 | 8,482,000 |
| Noninterest expense | 2,732,000 | 5,597,000 | 8,679,000 | 11,603,000 |
| Provision for loan losses | 310,000 | 1,295,000 | 2,845,000 | 7,345,000 |
| Pretax income | 1,535,000 | 2,217,000 | 1,796,000 | 2,587,000 |
| Income tax | 571,000 | 806,000 | 566,000 | 843,000 |
| Net income | 964,000 | 1,411,000 | 1,230,000 | 1,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,712,000 | 29,245,000 | 28,864,000 | 29,396,000 |
| Total capital | 32,562,000 | 32,035,000 | 31,530,000 | 31,721,000 |
| Risk-weighted assets | 227,211,000 | 222,307,000 | 212,531,000 | 184,531,000 |