Call reports 2003
HERITAGE OAKS BANK — 2003
What HERITAGE OAKS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 332,073,000 | 347,890,000 | 329,839,000 | 346,553,000 |
| Total loans | 212,597,000 | 221,334,000 | 226,170,000 | 230,099,000 |
| Allowance for loan losses | 2,462,000 | 2,515,000 | 2,748,000 | 2,455,000 |
| Securities available for sale | 59,145,000 | 48,588,000 | 39,392,000 | 46,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,873,000 | 290,036,000 | 270,785,000 | 286,339,000 |
| Interest-bearing deposits | 156,041,000 | 153,191,000 | 158,446,000 | 167,648,000 |
| Noninterest-bearing deposits | 113,832,000 | 136,845,000 | 112,339,000 | 118,691,000 |
| Equity capital | 26,341,000 | 27,572,000 | 27,982,000 | 28,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,279,000 | 8,715,000 | 13,067,000 | 17,413,000 |
| Interest expense | 827,000 | 1,563,000 | 2,233,000 | 2,890,000 |
| Net interest income | 3,452,000 | 7,152,000 | 10,834,000 | 14,523,000 |
| Noninterest income | 850,000 | 1,771,000 | 2,749,000 | 3,610,000 |
| Noninterest expense | 2,842,000 | 5,781,000 | 8,750,000 | 11,681,000 |
| Provision for loan losses | 125,000 | 250,000 | 325,000 | 350,000 |
| Pretax income | 1,387,000 | 2,949,000 | 4,568,000 | 6,162,000 |
| Income tax | 483,000 | 1,085,000 | 1,702,000 | 2,327,000 |
| Net income | 904,000 | 1,864,000 | 2,866,000 | 3,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,555,000 | 26,524,000 | 27,537,000 | 28,516,000 |
| Total capital | 28,082,000 | 29,104,000 | 30,375,000 | 31,061,000 |
| Risk-weighted assets | 240,400,000 | 248,679,000 | 259,822,000 | 263,594,000 |