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 | 80,088,000 | 75,601,000 | 79,306,000 | 83,264,000 |
| Total loans | 60,014,000 | 64,547,000 | 70,075,000 | 70,783,000 |
| Allowance for loan losses | 900,000 | 990,000 | 1,000,000 | 900,000 |
| Securities available for sale | 7,922,000 | 4,319,000 | 3,165,000 | 2,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,501,000 | 67,780,000 | 61,733,000 | 62,494,000 |
| Interest-bearing deposits | 68,666,000 | 62,766,000 | 56,105,000 | 57,887,000 |
| Noninterest-bearing deposits | 4,835,000 | 5,014,000 | 5,628,000 | 4,607,000 |
| Equity capital | 5,933,000 | 6,120,000 | 6,338,000 | 6,502,000 |
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 | 1,171,000 | 2,348,000 | 3,550,000 | 4,770,000 |
| Interest expense | 506,000 | 955,000 | 1,341,000 | 1,677,000 |
| Net interest income | 665,000 | 1,393,000 | 2,209,000 | 3,093,000 |
| Noninterest income | 60,000 | 193,000 | 304,000 | 377,000 |
| Noninterest expense | 599,000 | 1,186,000 | 1,802,000 | 2,475,000 |
| Provision for loan losses | 59,000 | 179,000 | 229,000 | 388,000 |
| Pretax income | 67,000 | 238,000 | 499,000 | 624,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 67,000 | 238,000 | 499,000 | 624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,888,000 | 6,069,000 | 6,334,000 | 6,494,000 |
| Total capital | 6,636,000 | 6,848,000 | 7,183,000 | 7,323,000 |
| Risk-weighted assets | 59,695,000 | 62,143,000 | 67,761,000 | 66,479,000 |