Call reports 2012
HERITAGE BANK OF NORTH FLORIDA — 2012
What HERITAGE BANK OF NORTH FLORIDA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 134,862,000 | 126,605,000 | 127,178,000 | 110,889,000 |
| Total loans | 97,367,000 | 95,232,000 | 89,647,000 | 86,365,000 |
| Allowance for loan losses | 3,925,000 | 4,395,000 | 5,081,000 | 3,954,000 |
| Securities available for sale | 13,724,000 | 13,873,000 | 7,316,000 | 6,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,305,000 | 122,468,000 | 123,633,000 | 108,451,000 |
| Interest-bearing deposits | 122,772,000 | 113,940,000 | 115,837,000 | 102,397,000 |
| Noninterest-bearing deposits | 7,532,000 | 8,528,000 | 7,796,000 | 6,054,000 |
| Equity capital | 4,252,000 | 3,767,000 | 3,143,000 | 2,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,391,000 | 2,733,000 | 3,977,000 | 5,047,000 |
| Interest expense | 284,000 | 512,000 | 714,000 | 891,000 |
| Net interest income | 1,107,000 | 2,221,000 | 3,263,000 | 4,156,000 |
| Noninterest income | 64,000 | 99,000 | 163,000 | 125,000 |
| Noninterest expense | 1,065,000 | 2,315,000 | 3,228,000 | 4,140,000 |
| Provision for loan losses | 75,000 | 472,000 | 1,352,000 | 2,206,000 |
| Pretax income | 31,000 | -467,000 | -963,000 | -1,874,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 31,000 | -467,000 | -963,000 | -1,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,005,000 | 3,507,000 | 3,011,000 | 2,102,000 |
| Total capital | 5,393,000 | 4,838,000 | 4,316,000 | 3,316,000 |
| Risk-weighted assets | 108,489,000 | 103,424,000 | 100,469,000 | 94,341,000 |