Call reports 2006
HERITAGE OAKS BANK — 2006
What HERITAGE OAKS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 489,438,000 | 519,009,000 | 531,640,000 | 541,051,000 |
| Total loans | 380,188,000 | 395,619,000 | 425,246,000 | 445,122,000 |
| Allowance for loan losses | 4,005,000 | 3,695,000 | 3,863,000 | 4,081,000 |
| Securities available for sale | 43,839,000 | 41,401,000 | 40,285,000 | 38,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 422,281,000 | 430,781,000 | 430,901,000 | 428,197,000 |
| Interest-bearing deposits | 265,313,000 | 266,707,000 | 273,092,000 | 267,516,000 |
| Noninterest-bearing deposits | 156,968,000 | 164,074,000 | 157,809,000 | 160,681,000 |
| Equity capital | 51,994,000 | 53,481,000 | 56,017,000 | 58,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,180,000 | 16,818,000 | 26,378,000 | 36,298,000 |
| Interest expense | 1,591,000 | 3,439,000 | 5,794,000 | 8,477,000 |
| Net interest income | 6,589,000 | 13,379,000 | 20,584,000 | 27,821,000 |
| Noninterest income | 1,218,000 | 2,429,000 | 3,642,000 | 4,943,000 |
| Noninterest expense | 4,796,000 | 9,689,000 | 14,956,000 | 20,644,000 |
| Provision for loan losses | 120,000 | 300,000 | 480,000 | 600,000 |
| Pretax income | 2,891,000 | 5,819,000 | 8,799,000 | 11,529,000 |
| Income tax | 1,090,000 | 2,162,000 | 3,232,000 | 4,232,000 |
| Net income | 1,801,000 | 3,657,000 | 5,567,000 | 7,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,903,000 | 47,835,000 | 49,819,000 | 51,935,000 |
| Total capital | 50,071,000 | 51,693,000 | 53,845,000 | 56,179,000 |
| Risk-weighted assets | 433,397,000 | 455,262,000 | 484,930,000 | 500,929,000 |
Machine access — free, no API key
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