Call reports 2010
HERITAGE BANK OF NORTH FLORIDA — 2010
What HERITAGE BANK OF NORTH FLORIDA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 158,904,000 | 151,267,000 | 149,092,000 | 137,643,000 |
| Total loans | 122,406,000 | 118,608,000 | 112,720,000 | 111,947,000 |
| Allowance for loan losses | 2,405,000 | 3,129,000 | 2,935,000 | 4,743,000 |
| Securities available for sale | 5,803,000 | 5,627,000 | 5,467,000 | 6,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,412,000 | 136,142,000 | 135,593,000 | 131,265,000 |
| Interest-bearing deposits | 136,431,000 | 130,140,000 | 128,928,000 | 125,415,000 |
| Noninterest-bearing deposits | 6,981,000 | 6,002,000 | 6,666,000 | 5,850,000 |
| Equity capital | 13,986,000 | 13,791,000 | 12,047,000 | 5,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,923,000 | 3,765,000 | 5,589,000 | 7,231,000 |
| Interest expense | 707,000 | 1,344,000 | 1,912,000 | 2,420,000 |
| Net interest income | 1,216,000 | 2,421,000 | 3,677,000 | 4,811,000 |
| Noninterest income | 40,000 | 99,000 | 114,000 | 138,000 |
| Noninterest expense | 1,166,000 | 2,197,000 | 6,285,000 | 9,126,000 |
| Provision for loan losses | 150,000 | 1,039,000 | 1,478,000 | 3,458,000 |
| Pretax income | -60,000 | -716,000 | -3,972,000 | -7,635,000 |
| Income tax | 0 | 0 | -1,494,000 | 1,562,000 |
| Net income | -60,000 | -716,000 | -2,478,000 | -9,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,775,000 | 12,945,000 | 8,925,000 | 5,162,000 |
| Total capital | 14,441,000 | 14,530,000 | 10,569,000 | 6,668,000 |
| Risk-weighted assets | 132,502,000 | 131,066,000 | 130,251,000 | 117,217,000 |
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