Call reports 2009
HERITAGE BANK OF NORTH FLORIDA — 2009
What HERITAGE BANK OF NORTH FLORIDA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 183,831,000 | 193,912,000 | 176,065,000 | 157,693,000 |
| Total loans | 140,113,000 | 134,189,000 | 129,105,000 | 121,237,000 |
| Allowance for loan losses | 2,898,000 | 2,470,000 | 3,402,000 | 2,227,000 |
| Securities available for sale | 9,311,000 | 6,932,000 | 6,919,000 | 6,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,312,000 | 176,345,000 | 159,542,000 | 142,141,000 |
| Interest-bearing deposits | 158,060,000 | 169,114,000 | 151,006,000 | 135,812,000 |
| Noninterest-bearing deposits | 7,252,000 | 7,231,000 | 8,536,000 | 6,329,000 |
| Equity capital | 16,678,000 | 15,596,000 | 14,450,000 | 14,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,527,000 | 4,968,000 | 7,259,000 | 9,442,000 |
| Interest expense | 1,287,000 | 2,508,000 | 3,604,000 | 4,367,000 |
| Net interest income | 1,240,000 | 2,460,000 | 3,655,000 | 5,075,000 |
| Noninterest income | 72,000 | 141,000 | 211,000 | 278,000 |
| Noninterest expense | 975,000 | 2,911,000 | 4,489,000 | 5,641,000 |
| Provision for loan losses | 310,000 | 1,370,000 | 3,156,000 | 4,046,000 |
| Pretax income | 27,000 | -1,680,000 | -3,779,000 | -4,334,000 |
| Income tax | 10,000 | -633,000 | -1,423,000 | -1,650,000 |
| Net income | 17,000 | -1,047,000 | -2,356,000 | -2,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,640,000 | 15,010,000 | 13,720,000 | 12,811,000 |
| Total capital | 18,461,000 | 16,720,000 | 15,445,000 | 14,445,000 |
| Risk-weighted assets | 144,642,000 | 136,037,000 | 136,359,000 | 131,194,000 |
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