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 | 45,929,000 | 49,154,000 | 50,147,000 | 46,134,000 |
| Total loans | 37,000,000 | 36,958,000 | 38,083,000 | 37,918,000 |
| Allowance for loan losses | 426,000 | 573,000 | 545,000 | 584,000 |
| Securities available for sale | 5,221,000 | 7,776,000 | 6,579,000 | 4,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,677,000 | 45,111,000 | 46,042,000 | 42,279,000 |
| Interest-bearing deposits | 38,662,000 | 40,574,000 | 40,967,000 | 38,417,000 |
| Noninterest-bearing deposits | 3,015,000 | 4,537,000 | 5,075,000 | 3,862,000 |
| Equity capital | 4,131,000 | 3,885,000 | 3,935,000 | 3,711,000 |
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 | 930,000 | 1,853,000 | 2,760,000 | 3,576,000 |
| Interest expense | 529,000 | 1,093,000 | 1,651,000 | 2,115,000 |
| Net interest income | 401,000 | 760,000 | 1,109,000 | 1,461,000 |
| Noninterest income | 64,000 | 135,000 | 195,000 | 246,000 |
| Noninterest expense | 429,000 | 838,000 | 1,258,000 | 1,689,000 |
| Provision for loan losses | 25,000 | 274,000 | 290,000 | 451,000 |
| Pretax income | 11,000 | -217,000 | -245,000 | -434,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 11,000 | -217,000 | -245,000 | -434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,114,000 | 3,883,000 | 3,854,000 | 3,666,000 |
| Total capital | 4,541,000 | 4,329,000 | 4,301,000 | 4,104,000 |
| Risk-weighted assets | 34,411,000 | 35,437,000 | 35,700,000 | 34,868,000 |