Call reports 2011
HERITAGE OAKS BANK — 2011
What HERITAGE OAKS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 967,048,000 | 969,325,000 | 978,922,000 | 982,874,000 |
| Total loans | 670,513,000 | 666,826,000 | 660,113,000 | 667,121,000 |
| Allowance for loan losses | 24,367,000 | 21,700,000 | 20,409,000 | 19,314,000 |
| Securities available for sale | 203,210,000 | 218,430,000 | 248,854,000 | 236,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 787,373,000 | 803,164,000 | 802,365,000 | 786,752,000 |
| Interest-bearing deposits | 593,061,000 | 589,259,000 | 573,498,000 | 568,964,000 |
| Noninterest-bearing deposits | 194,312,000 | 213,905,000 | 228,867,000 | 217,789,000 |
| Equity capital | 126,591,000 | 129,362,000 | 131,349,000 | 135,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 12,110,000 | 24,136,000 | 36,207,000 | 48,208,000 |
| Interest expense | 1,347,000 | 2,615,000 | 3,792,000 | 4,854,000 |
| Net interest income | 10,763,000 | 21,521,000 | 32,415,000 | 43,354,000 |
| Noninterest income | 1,085,000 | 2,489,000 | 4,363,000 | 6,551,000 |
| Noninterest expense | 9,065,000 | 18,016,000 | 26,921,000 | 35,774,000 |
| Provision for loan losses | 1,985,000 | 4,284,000 | 5,370,000 | 6,063,000 |
| Pretax income | 618,000 | 2,048,000 | 5,420,000 | 9,797,000 |
| Income tax | 196,000 | 605,000 | 1,776,000 | 1,929,000 |
| Net income | 422,000 | 1,443,000 | 3,644,000 | 7,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,119,000 | 103,757,000 | 107,990,000 | 113,608,000 |
| Total capital | 112,566,000 | 113,496,000 | 117,763,000 | 123,517,000 |
| Risk-weighted assets | 740,480,000 | 766,861,000 | 770,889,000 | 783,014,000 |