Call reports 2001
HERITAGE OAKS BANK — 2001
What HERITAGE OAKS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 190,096,000 | 189,211,000 | 196,869,000 | 214,215,000 |
| Total loans | 138,569,000 | 140,647,000 | 151,772,000 | 161,976,000 |
| Allowance for loan losses | 1,469,000 | 1,509,000 | 1,602,000 | 1,744,000 |
| Securities available for sale | 14,830,000 | 13,587,000 | 13,217,000 | 22,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,588,000 | 173,410,000 | 179,355,000 | 195,596,000 |
| Interest-bearing deposits | 117,457,000 | 110,582,000 | 112,642,000 | 125,761,000 |
| Noninterest-bearing deposits | 56,131,000 | 62,828,000 | 66,713,000 | 69,835,000 |
| Equity capital | 14,149,000 | 13,944,000 | 15,655,000 | 16,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,729,000 | 7,386,000 | 10,987,000 | 14,461,000 |
| Interest expense | 1,113,000 | 2,059,000 | 2,807,000 | 3,343,000 |
| Net interest income | 2,616,000 | 5,327,000 | 8,180,000 | 11,118,000 |
| Noninterest income | 1,840,000 | 2,963,000 | 3,898,000 | 4,682,000 |
| Noninterest expense | 3,349,000 | 6,214,000 | 8,792,000 | 11,341,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 955,000 | 1,774,000 | 2,834,000 | 3,857,000 |
| Income tax | 338,000 | 623,000 | 1,038,000 | 1,433,000 |
| Net income | 617,000 | 1,151,000 | 1,796,000 | 2,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,097,000 | 13,984,000 | 15,532,000 | 16,364,000 |
| Total capital | 15,566,000 | 15,493,000 | 17,134,000 | 18,108,000 |
| Risk-weighted assets | 150,310,000 | 153,224,000 | 164,092,000 | 177,592,000 |
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