Call reports 2009
HERITAGE OAKS BANK — 2009
What HERITAGE OAKS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 859,558,000 | 875,579,000 | 921,579,000 | 940,318,000 |
| Total loans | 703,892,000 | 707,991,000 | 716,010,000 | 736,341,000 |
| Allowance for loan losses | 10,429,000 | 11,105,000 | 15,873,000 | 14,372,000 |
| Securities available for sale | 62,492,000 | 75,617,000 | 102,762,000 | 121,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 665,517,000 | 704,464,000 | 754,178,000 | 776,169,000 |
| Interest-bearing deposits | 500,502,000 | 525,388,000 | 571,859,000 | 600,851,000 |
| Noninterest-bearing deposits | 165,015,000 | 179,076,000 | 182,319,000 | 175,318,000 |
| Equity capital | 91,705,000 | 98,595,000 | 95,427,000 | 91,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 11,888,000 | 24,148,000 | 35,999,000 | 49,528,000 |
| Interest expense | 2,173,000 | 4,451,000 | 6,909,000 | 9,476,000 |
| Net interest income | 9,715,000 | 19,697,000 | 29,090,000 | 40,052,000 |
| Noninterest income | 1,537,000 | 3,037,000 | 4,422,000 | 6,238,000 |
| Noninterest expense | 7,352,000 | 15,280,000 | 25,432,000 | 34,182,000 |
| Provision for loan losses | 2,110,000 | 4,810,000 | 14,566,000 | 24,066,000 |
| Pretax income | 1,913,000 | 2,767,000 | -6,153,000 | -11,997,000 |
| Income tax | 680,000 | 895,000 | -2,918,000 | -5,465,000 |
| Net income | 1,233,000 | 1,872,000 | -3,235,000 | -6,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,911,000 | 86,869,000 | 77,193,000 | 71,441,000 |
| Total capital | 88,558,000 | 96,556,000 | 87,059,000 | 81,450,000 |
| Risk-weighted assets | 770,777,000 | 773,237,000 | 782,997,000 | 796,123,000 |
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