Call reports 2004
HERITAGE COMMUNITY BANK — 2004
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 262,611,000 | 255,154,000 | 258,550,000 | 254,329,000 |
| Total loans | 192,620,000 | 186,330,000 | 189,968,000 | 186,464,000 |
| Allowance for loan losses | 3,633,000 | 3,433,000 | 3,397,000 | 3,592,000 |
| Securities available for sale | 41,174,000 | 36,402,000 | 33,298,000 | 32,107,000 |
| Securities held to maturity | 328,000 | 322,000 | 232,000 | 229,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,078,000 | 192,222,000 | 189,839,000 | 190,859,000 |
| Interest-bearing deposits | 174,837,000 | 172,604,000 | 168,401,000 | 168,899,000 |
| Noninterest-bearing deposits | 23,241,000 | 19,618,000 | 21,438,000 | 21,960,000 |
| Equity capital | 35,590,000 | 35,375,000 | 35,563,000 | 34,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,724,000 | 7,278,000 | 10,789,000 | 14,356,000 |
| Interest expense | 1,027,000 | 1,971,000 | 2,916,000 | 3,868,000 |
| Net interest income | 2,697,000 | 5,307,000 | 7,873,000 | 10,488,000 |
| Noninterest income | 1,272,000 | 2,417,000 | 3,519,000 | 4,764,000 |
| Noninterest expense | 3,082,000 | 6,315,000 | 9,725,000 | 13,489,000 |
| Provision for loan losses | 125,000 | 125,000 | 125,000 | 498,000 |
| Pretax income | 762,000 | 1,284,000 | 1,542,000 | 1,265,000 |
| Income tax | 253,000 | 376,000 | 447,000 | 286,000 |
| Net income | 509,000 | 908,000 | 1,095,000 | 979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,325,000 | 30,801,000 | 28,209,000 | 27,724,000 |
| Total capital | 32,682,000 | 33,110,000 | 30,521,000 | 30,005,000 |
| Risk-weighted assets | 187,259,000 | 183,603,000 | 183,834,000 | 181,143,000 |