Call reports 2011
HERITAGE BANK OF NORTH FLORIDA — 2011
What HERITAGE BANK OF NORTH FLORIDA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 134,865,000 | 139,865,000 | 138,155,000 | 132,549,000 |
| Total loans | 108,638,000 | 106,858,000 | 104,115,000 | 101,974,000 |
| Allowance for loan losses | 4,743,000 | 4,266,000 | 4,512,000 | 4,532,000 |
| Securities available for sale | 7,964,000 | 9,798,000 | 9,540,000 | 10,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,684,000 | 133,926,000 | 133,421,000 | 128,069,000 |
| Interest-bearing deposits | 122,821,000 | 127,172,000 | 126,819,000 | 121,913,000 |
| Noninterest-bearing deposits | 5,863,000 | 6,755,000 | 6,602,000 | 6,156,000 |
| Equity capital | 5,508,000 | 5,550,000 | 4,237,000 | 4,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,595,000 | 3,072,000 | 4,583,000 | 5,964,000 |
| Interest expense | 446,000 | 861,000 | 1,252,000 | 1,582,000 |
| Net interest income | 1,149,000 | 2,211,000 | 3,331,000 | 4,382,000 |
| Noninterest income | 60,000 | 106,000 | 171,000 | 534,000 |
| Noninterest expense | 504,000 | 1,725,000 | 3,001,000 | 4,492,000 |
| Provision for loan losses | 313,000 | 382,000 | 1,728,000 | 1,728,000 |
| Pretax income | 392,000 | 244,000 | -1,193,000 | -1,270,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 392,000 | 244,000 | -1,193,000 | -1,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,554,000 | 5,489,000 | 4,053,000 | 3,974,000 |
| Total capital | 7,082,000 | 6,986,000 | 5,530,000 | 5,402,000 |
| Risk-weighted assets | 118,996,000 | 117,027,000 | 115,087,000 | 111,165,000 |
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