Call reports 2006
HERITAGE BANK OF NORTH FLORIDA — 2006
What HERITAGE BANK OF NORTH FLORIDA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 150,281,000 | 156,067,000 | 165,379,000 | 170,100,000 |
| Total loans | 130,988,000 | 134,672,000 | 137,509,000 | 131,885,000 |
| Allowance for loan losses | 1,330,000 | 1,353,000 | 1,382,000 | 1,408,000 |
| Securities available for sale | 553,000 | 502,000 | 482,000 | 461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,439,000 | 139,579,000 | 148,193,000 | 152,448,000 |
| Interest-bearing deposits | 125,507,000 | 129,523,000 | 138,840,000 | 143,849,000 |
| Noninterest-bearing deposits | 7,932,000 | 10,056,000 | 9,353,000 | 8,599,000 |
| Equity capital | 13,873,000 | 14,423,000 | 14,979,000 | 15,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,754,000 | 5,631,000 | 8,729,000 | 12,019,000 |
| Interest expense | 1,177,000 | 2,447,000 | 3,936,000 | 5,641,000 |
| Net interest income | 1,577,000 | 3,184,000 | 4,793,000 | 6,378,000 |
| Noninterest income | 55,000 | 110,000 | 176,000 | 229,000 |
| Noninterest expense | 588,000 | 1,241,000 | 1,898,000 | 2,593,000 |
| Provision for loan losses | 34,000 | 77,000 | 112,000 | 138,000 |
| Pretax income | 1,010,000 | 1,976,000 | 2,959,000 | 3,876,000 |
| Income tax | 380,000 | 743,000 | 1,113,000 | 1,458,000 |
| Net income | 630,000 | 1,233,000 | 1,846,000 | 2,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,888,000 | 14,434,000 | 14,987,000 | 15,498,000 |
| Total capital | 15,218,000 | 15,787,000 | 16,369,000 | 16,906,000 |
| Risk-weighted assets | 132,515,000 | 136,420,000 | 133,403,000 | 130,679,000 |
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