Call reports 2008
HERITAGE OAKS BANK — 2008
What HERITAGE OAKS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 757,652,000 | 798,287,000 | 786,139,000 | 803,809,000 |
| Total loans | 640,785,000 | 659,302,000 | 667,709,000 | 686,385,000 |
| Allowance for loan losses | 6,304,000 | 8,128,000 | 10,350,000 | 10,411,000 |
| Securities available for sale | 54,721,000 | 56,955,000 | 52,525,000 | 50,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 591,423,000 | 635,405,000 | 590,024,000 | 604,390,000 |
| Interest-bearing deposits | 434,835,000 | 465,930,000 | 433,984,000 | 456,476,000 |
| Noninterest-bearing deposits | 156,588,000 | 169,475,000 | 156,040,000 | 147,914,000 |
| Equity capital | 80,131,000 | 81,815,000 | 82,002,000 | 81,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,785,000 | 25,343,000 | 37,862,000 | 50,075,000 |
| Interest expense | 3,474,000 | 6,280,000 | 9,105,000 | 11,767,000 |
| Net interest income | 9,311,000 | 19,063,000 | 28,757,000 | 38,308,000 |
| Noninterest income | 1,436,000 | 3,153,000 | 4,671,000 | 6,168,000 |
| Noninterest expense | 7,564,000 | 14,970,000 | 22,018,000 | 29,167,000 |
| Provision for loan losses | 240,000 | 3,015,000 | 6,215,000 | 12,215,000 |
| Pretax income | 2,943,000 | 4,268,000 | 5,232,000 | 3,131,000 |
| Income tax | 1,124,000 | 1,610,000 | 1,902,000 | 901,000 |
| Net income | 1,819,000 | 2,658,000 | 3,330,000 | 2,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,895,000 | 66,716,000 | 67,679,000 | 66,869,000 |
| Total capital | 70,420,000 | 75,065,000 | 76,694,000 | 76,128,000 |
| Risk-weighted assets | 688,744,000 | 711,333,000 | 719,259,000 | 739,405,000 |