Call reports 2010
HERITAGE OAKS BANK — 2010
What HERITAGE OAKS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,017,616,000 | 1,004,716,000 | 984,689,000 | 978,810,000 |
| Total loans | 728,857,000 | 704,907,000 | 684,651,000 | 686,698,000 |
| Allowance for loan losses | 18,559,000 | 22,134,000 | 21,571,000 | 24,940,000 |
| Securities available for sale | 128,279,000 | 192,795,000 | 202,109,000 | 223,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 800,619,000 | 797,249,000 | 797,380,000 | 799,101,000 |
| Interest-bearing deposits | 616,440,000 | 612,988,000 | 619,205,000 | 615,549,000 |
| Noninterest-bearing deposits | 184,179,000 | 184,261,000 | 178,175,000 | 183,553,000 |
| Equity capital | 141,618,000 | 135,383,000 | 124,680,000 | 125,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 12,445,000 | 25,598,000 | 38,302,000 | 50,758,000 |
| Interest expense | 2,373,000 | 4,362,000 | 6,178,000 | 7,781,000 |
| Net interest income | 10,072,000 | 21,236,000 | 32,124,000 | 42,977,000 |
| Noninterest income | 1,381,000 | 3,391,000 | 4,546,000 | 3,533,000 |
| Noninterest expense | 8,583,000 | 17,284,000 | 26,406,000 | 35,891,000 |
| Provision for loan losses | 5,200,000 | 21,300,000 | 25,700,000 | 31,531,000 |
| Pretax income | -2,330,000 | -14,054,000 | -15,307,000 | -20,810,000 |
| Income tax | -1,111,000 | -6,088,000 | 3,755,000 | -2,378,000 |
| Net income | -1,219,000 | -7,966,000 | -19,062,000 | -18,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,336,000 | 110,366,000 | 108,050,000 | 101,613,000 |
| Total capital | 128,260,000 | 120,006,000 | 117,430,000 | 111,235,000 |
| Risk-weighted assets | 785,056,000 | 758,470,000 | 737,915,000 | 754,149,000 |