Call reports 2002
HERITAGE OAKS BANK — 2002
What HERITAGE OAKS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 235,411,000 | 280,827,000 | 331,330,000 | 335,627,000 |
| Total loans | 163,253,000 | 172,589,000 | 182,531,000 | 197,813,000 |
| Allowance for loan losses | 1,947,000 | 2,083,000 | 2,233,000 | 2,336,000 |
| Securities available for sale | 20,554,000 | 59,274,000 | 62,558,000 | 65,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,447,000 | 217,594,000 | 266,077,000 | 264,881,000 |
| Interest-bearing deposits | 125,914,000 | 125,351,000 | 161,690,000 | 157,622,000 |
| Noninterest-bearing deposits | 83,533,000 | 92,243,000 | 104,387,000 | 107,259,000 |
| Equity capital | 17,131,000 | 23,473,000 | 24,643,000 | 25,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,416,000 | 7,234,000 | 11,391,000 | 16,018,000 |
| Interest expense | 480,000 | 1,198,000 | 2,128,000 | 3,107,000 |
| Net interest income | 2,936,000 | 6,036,000 | 9,263,000 | 12,911,000 |
| Noninterest income | 781,000 | 1,579,000 | 2,508,000 | 3,482,000 |
| Noninterest expense | 2,668,000 | 5,294,000 | 8,016,000 | 10,944,000 |
| Provision for loan losses | 135,000 | 285,000 | 435,000 | 545,000 |
| Pretax income | 914,000 | 2,036,000 | 3,300,000 | 4,885,000 |
| Income tax | 325,000 | 720,000 | 1,213,000 | 1,853,000 |
| Net income | 589,000 | 1,316,000 | 2,087,000 | 3,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,966,000 | 22,904,000 | 23,684,000 | 24,639,000 |
| Total capital | 18,913,000 | 24,987,000 | 25,917,000 | 27,015,000 |
| Risk-weighted assets | 183,012,000 | 195,068,000 | 212,436,000 | 225,447,000 |