Call reports 2014
HERITAGE OAKS BANK — 2014
What HERITAGE OAKS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,661,051,000 | 1,675,890,000 | 1,714,326,000 | 1,708,212,000 |
| Total loans | 1,118,989,000 | 1,103,942,000 | 1,156,139,000 | 1,194,624,000 |
| Allowance for loan losses | 17,968,000 | 16,635,000 | 16,787,000 | 16,802,000 |
| Securities available for sale | 347,988,000 | 359,641,000 | 382,448,000 | 355,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,371,998,000 | 1,399,292,000 | 1,426,793,000 | 1,401,596,000 |
| Interest-bearing deposits | 921,907,000 | 932,624,000 | 953,499,000 | 933,325,000 |
| Noninterest-bearing deposits | 450,091,000 | 466,668,000 | 473,294,000 | 468,271,000 |
| Equity capital | 192,772,000 | 197,541,000 | 201,652,000 | 202,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 13,602,000 | 30,135,000 | 47,012,000 | 64,072,000 |
| Interest expense | 1,076,000 | 2,280,000 | 3,462,000 | 4,658,000 |
| Net interest income | 12,526,000 | 27,855,000 | 43,550,000 | 59,414,000 |
| Noninterest income | 1,752,000 | 4,127,000 | 6,671,000 | 8,929,000 |
| Noninterest expense | 16,774,000 | 29,468,000 | 42,689,000 | 53,844,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -2,498,000 | 2,613,000 | 8,081,000 | 15,145,000 |
| Income tax | -941,000 | 960,000 | 2,833,000 | 5,325,000 |
| Net income | -1,557,000 | 1,653,000 | 5,248,000 | 9,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,429,000 | 154,716,000 | 161,166,000 | 164,361,000 |
| Total capital | 164,129,000 | 170,270,000 | 177,196,000 | 180,640,000 |
| Risk-weighted assets | 1,253,364,000 | 1,242,773,000 | 1,281,117,000 | 1,301,259,000 |