Call reports 2004
HERITAGE OAKS BANK — 2004
What HERITAGE OAKS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 357,865,000 | 462,655,000 | 458,756,000 | 446,225,000 |
| Total loans | 245,778,000 | 300,409,000 | 314,508,000 | 340,463,000 |
| Allowance for loan losses | 2,589,000 | 3,144,000 | 3,133,000 | 3,247,000 |
| Securities available for sale | 44,988,000 | 63,087,000 | 59,837,000 | 57,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,887,000 | 387,951,000 | 385,390,000 | 370,982,000 |
| Interest-bearing deposits | 167,918,000 | 225,249,000 | 227,590,000 | 226,986,000 |
| Noninterest-bearing deposits | 128,969,000 | 162,702,000 | 157,800,000 | 143,996,000 |
| Equity capital | 30,051,000 | 43,537,000 | 41,982,000 | 43,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,426,000 | 11,167,000 | 17,013,000 | 23,291,000 |
| Interest expense | 656,000 | 1,446,000 | 2,126,000 | 2,845,000 |
| Net interest income | 3,770,000 | 9,721,000 | 14,887,000 | 20,446,000 |
| Noninterest income | 879,000 | 2,194,000 | 3,262,000 | 4,954,000 |
| Noninterest expense | 3,121,000 | 8,084,000 | 12,140,000 | 16,904,000 |
| Provision for loan losses | 150,000 | 205,000 | 280,000 | 410,000 |
| Pretax income | 1,378,000 | 3,654,000 | 5,757,000 | 8,114,000 |
| Income tax | 503,000 | 1,369,000 | 2,173,000 | 3,075,000 |
| Net income | 875,000 | 2,285,000 | 3,584,000 | 5,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,400,000 | 36,747,000 | 34,651,000 | 36,253,000 |
| Total capital | 32,079,000 | 40,019,000 | 37,937,000 | 39,653,000 |
| Risk-weighted assets | 278,730,000 | 347,391,000 | 368,637,000 | 390,344,000 |