Call reports 2007
HERITAGE BANK OF NORTH FLORIDA — 2007
What HERITAGE BANK OF NORTH FLORIDA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 170,946,000 | 163,650,000 | 161,375,000 | 164,831,000 |
| Total loans | 133,088,000 | 134,139,000 | 133,652,000 | 142,073,000 |
| Allowance for loan losses | 1,371,000 | 1,220,000 | 1,436,000 | 1,448,000 |
| Securities available for sale | 436,000 | 10,116,000 | 10,217,000 | 10,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,898,000 | 143,661,000 | 141,124,000 | 144,275,000 |
| Interest-bearing deposits | 143,757,000 | 136,893,000 | 133,366,000 | 137,602,000 |
| Noninterest-bearing deposits | 7,141,000 | 6,768,000 | 7,758,000 | 6,673,000 |
| Equity capital | 17,638,000 | 17,846,000 | 18,275,000 | 18,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,140,000 | 6,282,000 | 9,328,000 | 12,265,000 |
| Interest expense | 1,669,000 | 3,336,000 | 4,957,000 | 6,519,000 |
| Net interest income | 1,471,000 | 2,946,000 | 4,371,000 | 5,746,000 |
| Noninterest income | 58,000 | 118,000 | 186,000 | 252,000 |
| Noninterest expense | 750,000 | 1,510,000 | 2,306,000 | 3,119,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 749,000 | 1,494,000 | 2,161,000 | 2,759,000 |
| Income tax | 282,000 | 562,000 | 813,000 | 1,038,000 |
| Net income | 467,000 | 932,000 | 1,348,000 | 1,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,644,000 | 18,016,000 | 18,339,000 | 18,616,000 |
| Total capital | 19,015,000 | 19,236,000 | 19,775,000 | 20,064,000 |
| Risk-weighted assets | 133,683,000 | 134,133,000 | 133,007,000 | 140,402,000 |
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