Call reports 2012
HERITAGE OAKS BANK — 2012
What HERITAGE OAKS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,004,453,000 | 1,019,476,000 | 1,053,968,000 | 1,092,817,000 |
| Total loans | 658,254,000 | 672,031,000 | 689,961,000 | 711,220,000 |
| Allowance for loan losses | 19,801,000 | 18,149,000 | 17,987,000 | 18,118,000 |
| Securities available for sale | 266,996,000 | 260,786,000 | 261,451,000 | 287,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 806,902,000 | 834,521,000 | 855,742,000 | 871,588,000 |
| Interest-bearing deposits | 578,980,000 | 584,173,000 | 587,833,000 | 597,628,000 |
| Noninterest-bearing deposits | 227,923,000 | 250,348,000 | 267,909,000 | 273,960,000 |
| Equity capital | 138,656,000 | 138,134,000 | 145,220,000 | 148,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 11,745,000 | 23,140,000 | 34,653,000 | 46,296,000 |
| Interest expense | 955,000 | 1,896,000 | 2,784,000 | 3,626,000 |
| Net interest income | 10,790,000 | 21,244,000 | 31,869,000 | 42,670,000 |
| Noninterest income | 2,219,000 | 4,616,000 | 7,220,000 | 9,843,000 |
| Noninterest expense | 8,622,000 | 17,556,000 | 26,134,000 | 35,433,000 |
| Provision for loan losses | 3,331,000 | 6,395,000 | 7,681,000 | 7,681,000 |
| Pretax income | 1,359,000 | 3,276,000 | 6,970,000 | 12,018,000 |
| Income tax | -313,000 | -419,000 | -2,778,000 | -985,000 |
| Net income | 1,672,000 | 3,695,000 | 9,748,000 | 13,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,988,000 | 112,882,000 | 118,305,000 | 122,721,000 |
| Total capital | 124,041,000 | 123,104,000 | 128,673,000 | 133,037,000 |
| Risk-weighted assets | 794,130,000 | 809,525,000 | 821,489,000 | 817,183,000 |