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 | 92,627,000 | 106,861,000 | 112,350,000 | 102,892,000 |
| Total loans | 84,474,000 | 89,156,000 | 99,594,000 | 92,031,000 |
| Allowance for loan losses | 925,000 | 1,050,000 | 2,022,000 | 1,844,000 |
| Securities available for sale | 2,610,000 | 2,195,000 | 2,006,000 | 1,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,333,000 | 79,420,000 | 85,191,000 | 78,814,000 |
| Interest-bearing deposits | 63,564,000 | 73,641,000 | 79,556,000 | 72,176,000 |
| Noninterest-bearing deposits | 5,769,000 | 5,779,000 | 5,635,000 | 6,638,000 |
| Equity capital | 6,822,000 | 9,448,000 | 10,110,000 | 9,125,000 |
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 | 1,325,000 | 2,743,000 | 4,336,000 | 5,882,000 |
| Interest expense | 398,000 | 845,000 | 1,365,000 | 1,877,000 |
| Net interest income | 927,000 | 1,898,000 | 2,971,000 | 4,005,000 |
| Noninterest income | 107,000 | 222,000 | 259,000 | 358,000 |
| Noninterest expense | 748,000 | 1,575,000 | 2,371,000 | 3,278,000 |
| Provision for loan losses | 33,000 | 183,000 | 1,683,000 | 2,903,000 |
| Pretax income | 253,000 | 362,000 | -824,000 | -1,818,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 253,000 | 362,000 | -824,000 | -1,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,795,000 | 9,481,000 | 9,991,000 | 8,999,000 |
| Total capital | 7,720,000 | 10,514,000 | 11,165,000 | 10,071,000 |
| Risk-weighted assets | 76,552,000 | 82,599,000 | 93,073,000 | 84,976,000 |