Call reports 2005
HERITAGE BANK OF NORTH FLORIDA — 2005
What HERITAGE BANK OF NORTH FLORIDA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 124,916,000 | 134,997,000 | 149,092,000 | 158,555,000 |
| Total loans | 107,023,000 | 117,052,000 | 123,393,000 | 125,131,000 |
| Allowance for loan losses | 963,000 | 1,058,000 | 1,117,000 | 1,296,000 |
| Securities available for sale | 775,000 | 729,000 | 659,000 | 580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,910,000 | 120,926,000 | 134,293,000 | 143,162,000 |
| Interest-bearing deposits | 100,476,000 | 110,846,000 | 123,952,000 | 135,361,000 |
| Noninterest-bearing deposits | 12,434,000 | 10,080,000 | 10,341,000 | 7,801,000 |
| Equity capital | 11,230,000 | 12,568,000 | 12,835,000 | 13,297,000 |
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 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,833,000 | 3,983,000 | 6,425,000 | 9,047,000 |
| Interest expense | 637,000 | 1,437,000 | 2,414,000 | 3,479,000 |
| Net interest income | 1,196,000 | 2,546,000 | 4,011,000 | 5,568,000 |
| Noninterest income | 93,000 | 1,556,000 | 1,649,000 | 1,712,000 |
| Noninterest expense | 590,000 | 1,934,000 | 2,932,000 | 3,524,000 |
| Provision for loan losses | 98,000 | 193,000 | 253,000 | 430,000 |
| Pretax income | 601,000 | 1,975,000 | 2,475,000 | 3,326,000 |
| Income tax | 226,000 | 224,000 | 410,000 | 748,000 |
| Net income | 375,000 | 1,751,000 | 2,065,000 | 2,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,241,000 | 12,577,000 | 12,846,000 | 13,311,000 |
| Total capital | 12,204,000 | 13,635,000 | 13,963,000 | 14,607,000 |
| Risk-weighted assets | 108,373,000 | 120,199,000 | 125,997,000 | 129,332,000 |
Machine access — free, no API key
Every figure shown here about HERITAGE BANK OF NORTH FLORIDA — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.