Call reports 2013
HERITAGE OAKS BANK — 2013
What HERITAGE OAKS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,059,940,000 | 1,095,022,000 | 1,151,841,000 | 1,202,347,000 |
| Total loans | 712,983,000 | 755,025,000 | 781,163,000 | 828,589,000 |
| Allowance for loan losses | 17,743,000 | 17,934,000 | 17,468,000 | 17,859,000 |
| Securities available for sale | 247,890,000 | 237,540,000 | 267,179,000 | 276,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 863,475,000 | 886,566,000 | 962,200,000 | 978,600,000 |
| Interest-bearing deposits | 592,458,000 | 596,231,000 | 671,524,000 | 682,039,000 |
| Noninterest-bearing deposits | 271,017,000 | 290,335,000 | 290,676,000 | 296,561,000 |
| Equity capital | 149,702,000 | 149,545,000 | 126,194,000 | 128,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 11,067,000 | 22,138,000 | 33,642,000 | 45,375,000 |
| Interest expense | 824,000 | 1,708,000 | 2,693,000 | 3,700,000 |
| Net interest income | 10,243,000 | 20,430,000 | 30,949,000 | 41,675,000 |
| Noninterest income | 2,075,000 | 4,982,000 | 7,061,000 | 8,949,000 |
| Noninterest expense | 9,583,000 | 18,048,000 | 26,419,000 | 35,262,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,321,000 | 10,955,000 | 15,526,000 | 19,288,000 |
| Income tax | 2,473,000 | 4,266,000 | 5,949,000 | 7,344,000 |
| Net income | 3,848,000 | 6,689,000 | 9,577,000 | 11,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 129,800,000 | 130,676,000 | 111,430,000 | 114,403,000 |
| Total capital | 140,042,000 | 141,438,000 | 122,575,000 | 126,001,000 |
| Risk-weighted assets | 811,545,000 | 853,493,000 | 884,943,000 | 921,284,000 |