Call reports 2008
HERITAGE BANK OF NORTH FLORIDA — 2008
What HERITAGE BANK OF NORTH FLORIDA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 173,047,000 | 160,298,000 | 166,797,000 | 174,900,000 |
| Total loans | 144,711,000 | 139,232,000 | 137,551,000 | 139,202,000 |
| Allowance for loan losses | 1,449,000 | 1,532,000 | 1,705,000 | 2,647,000 |
| Securities available for sale | 10,257,000 | 9,872,000 | 9,387,000 | 9,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,089,000 | 139,442,000 | 146,194,000 | 156,543,000 |
| Interest-bearing deposits | 145,336,000 | 132,755,000 | 139,948,000 | 149,930,000 |
| Noninterest-bearing deposits | 6,753,000 | 6,687,000 | 6,246,000 | 6,613,000 |
| Equity capital | 18,864,000 | 18,988,000 | 18,738,000 | 16,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,885,000 | 5,669,000 | 8,414,000 | 11,002,000 |
| Interest expense | 1,600,000 | 3,055,000 | 4,417,000 | 5,839,000 |
| Net interest income | 1,285,000 | 2,614,000 | 3,997,000 | 5,163,000 |
| Noninterest income | 67,000 | 133,000 | 207,000 | 330,000 |
| Noninterest expense | 793,000 | 1,563,000 | 2,399,000 | 3,759,000 |
| Provision for loan losses | 168,000 | 288,000 | 888,000 | 4,223,000 |
| Pretax income | 391,000 | 896,000 | 929,000 | -2,489,000 |
| Income tax | 147,000 | 337,000 | 350,000 | -937,000 |
| Net income | 244,000 | 559,000 | 579,000 | -1,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,770,000 | 19,024,000 | 18,863,000 | 16,671,000 |
| Total capital | 20,219,000 | 20,556,000 | 20,568,000 | 18,467,000 |
| Risk-weighted assets | 143,812,000 | 139,160,000 | 140,622,000 | 142,811,000 |
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