Call reports 2005
HERITAGE OAKS BANK — 2005
What HERITAGE OAKS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 470,241,000 | 496,491,000 | 525,397,000 | 485,863,000 |
| Total loans | 346,630,000 | 373,131,000 | 377,611,000 | 369,907,000 |
| Allowance for loan losses | 3,395,000 | 3,585,000 | 3,759,000 | 3,881,000 |
| Securities available for sale | 53,088,000 | 49,951,000 | 46,453,000 | 44,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,309,000 | 418,612,000 | 444,072,000 | 418,487,000 |
| Interest-bearing deposits | 307,482,000 | 353,012,000 | 395,313,000 | 356,100,000 |
| Noninterest-bearing deposits | 85,827,000 | 65,600,000 | 48,759,000 | 62,387,000 |
| Equity capital | 44,488,000 | 46,595,000 | 48,383,000 | 50,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,742,000 | 13,867,000 | 21,792,000 | 30,111,000 |
| Interest expense | 859,000 | 1,841,000 | 3,038,000 | 4,434,000 |
| Net interest income | 5,883,000 | 12,026,000 | 18,754,000 | 25,677,000 |
| Noninterest income | 1,132,000 | 2,398,000 | 3,787,000 | 5,009,000 |
| Noninterest expense | 4,342,000 | 8,796,000 | 13,542,000 | 18,281,000 |
| Provision for loan losses | 180,000 | 360,000 | 530,000 | 710,000 |
| Pretax income | 2,493,000 | 5,268,000 | 8,469,000 | 11,695,000 |
| Income tax | 957,000 | 1,987,000 | 3,227,000 | 4,494,000 |
| Net income | 1,536,000 | 3,281,000 | 5,242,000 | 7,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,932,000 | 39,821,000 | 41,925,000 | 44,027,000 |
| Total capital | 41,480,000 | 43,559,000 | 45,847,000 | 48,071,000 |
| Risk-weighted assets | 398,092,000 | 424,561,000 | 435,422,000 | 424,244,000 |