Call reports 2005
HERITAGE COMMUNITY BANK — 2005
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 |
|---|---|
| Total assets | 94,556,000 |
| Total loans | 81,703,000 |
| Allowance for loan losses | 1,763,000 |
| Securities available for sale | 1,670,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 70,326,000 |
| Interest-bearing deposits | 65,095,000 |
| Noninterest-bearing deposits | 5,231,000 |
| Equity capital | 9,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 |
|---|---|
| Interest income | 1,422,000 |
| Interest expense | 494,000 |
| Net interest income | 928,000 |
| Noninterest income | 117,000 |
| Noninterest expense | 855,000 |
| Provision for loan losses | 0 |
| Pretax income | 190,000 |
| Income tax | 0 |
| Net income | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 |
|---|---|
| Tier 1 capital | 9,258,000 |
| Total capital | 10,219,000 |
| Risk-weighted assets | 76,080,000 |