Call reports 2007
HERITAGE OAKS BANK — 2007
What HERITAGE OAKS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 578,224,000 | 589,423,000 | 567,356,000 | 741,037,000 |
| Total loans | 469,915,000 | 461,748,000 | 474,588,000 | 612,387,000 |
| Allowance for loan losses | 4,312,000 | 4,520,000 | 4,720,000 | 6,143,000 |
| Securities available for sale | 37,611,000 | 36,009,000 | 34,845,000 | 47,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,743,000 | 490,139,000 | 496,894,000 | 645,403,000 |
| Interest-bearing deposits | 298,606,000 | 335,622,000 | 366,089,000 | 491,124,000 |
| Noninterest-bearing deposits | 154,137,000 | 154,517,000 | 130,805,000 | 154,279,000 |
| Equity capital | 59,889,000 | 59,616,000 | 61,663,000 | 78,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,302,000 | 21,125,000 | 31,990,000 | 45,096,000 |
| Interest expense | 2,936,000 | 6,310,000 | 9,692,000 | 13,830,000 |
| Net interest income | 7,366,000 | 14,815,000 | 22,298,000 | 31,266,000 |
| Noninterest income | 1,228,000 | 2,604,000 | 3,905,000 | 5,345,000 |
| Noninterest expense | 5,648,000 | 11,158,000 | 16,905,000 | 23,737,000 |
| Provision for loan losses | 140,000 | 310,000 | 520,000 | 660,000 |
| Pretax income | 2,806,000 | 5,951,000 | 8,782,000 | 12,220,000 |
| Income tax | 1,076,000 | 2,286,000 | 3,384,000 | 4,708,000 |
| Net income | 1,730,000 | 3,665,000 | 5,398,000 | 7,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,840,000 | 53,948,000 | 55,847,000 | 62,196,000 |
| Total capital | 58,315,000 | 58,631,000 | 60,730,000 | 68,553,000 |
| Risk-weighted assets | 524,674,000 | 514,937,000 | 522,464,000 | 658,041,000 |