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 | 50,774,000 | 58,564,000 | 74,137,000 | 72,705,000 |
| Total loans | 41,015,000 | 46,130,000 | 49,577,000 | 55,525,000 |
| Allowance for loan losses | 620,000 | 800,000 | 825,000 | 875,000 |
| Securities available for sale | 1,881,000 | 2,044,000 | 13,715,000 | 11,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,983,000 | 53,816,000 | 68,516,000 | 67,261,000 |
| Interest-bearing deposits | 40,027,000 | 48,532,000 | 63,844,000 | 63,748,000 |
| Noninterest-bearing deposits | 6,956,000 | 5,284,000 | 4,672,000 | 3,513,000 |
| Equity capital | 3,683,000 | 3,693,000 | 4,539,000 | 4,786,000 |
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 | 842,000 | 1,817,000 | 2,862,000 | 4,017,000 |
| Interest expense | 407,000 | 816,000 | 1,402,000 | 1,914,000 |
| Net interest income | 435,000 | 1,001,000 | 1,460,000 | 2,103,000 |
| Noninterest income | 51,000 | 122,000 | 186,000 | 248,000 |
| Noninterest expense | 444,000 | 908,000 | 1,376,000 | 1,909,000 |
| Provision for loan losses | 28,000 | 216,000 | 249,000 | 311,000 |
| Pretax income | 35,000 | 20,000 | 55,000 | 208,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 35,000 | 20,000 | 55,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,701,000 | 3,686,000 | 4,458,000 | 4,712,000 |
| Total capital | 4,180,000 | 4,234,000 | 5,082,000 | 5,386,000 |
| Risk-weighted assets | 38,156,000 | 43,565,000 | 49,750,000 | 53,757,000 |