Call reports 2015
HERITAGE OAKS BANK — 2015
What HERITAGE OAKS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,774,324,000 | 1,826,049,000 | 1,871,920,000 | 1,897,723,000 |
| Total loans | 1,215,591,000 | 1,198,732,000 | 1,211,050,000 | 1,255,903,000 |
| Allowance for loan losses | 16,913,000 | 16,982,000 | 17,296,000 | 17,452,000 |
| Securities available for sale | 364,509,000 | 379,835,000 | 432,726,000 | 450,914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,464,977,000 | 1,524,250,000 | 1,579,833,000 | 1,576,973,000 |
| Interest-bearing deposits | 976,162,000 | 995,208,000 | 1,026,988,000 | 1,050,402,000 |
| Noninterest-bearing deposits | 488,815,000 | 529,042,000 | 552,845,000 | 526,571,000 |
| Equity capital | 208,326,000 | 200,557,000 | 205,852,000 | 208,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 16,923,000 | 33,661,000 | 50,613,000 | 68,073,000 |
| Interest expense | 1,289,000 | 2,647,000 | 4,076,000 | 5,290,000 |
| Net interest income | 15,634,000 | 31,014,000 | 46,537,000 | 62,783,000 |
| Noninterest income | 2,497,000 | 4,767,000 | 6,987,000 | 9,048,000 |
| Noninterest expense | 11,610,000 | 22,836,000 | 34,699,000 | 47,301,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 7,026,000 | 13,450,000 | 19,466,000 | 25,171,000 |
| Income tax | 2,760,000 | 5,187,000 | 7,221,000 | 9,277,000 |
| Net income | 4,266,000 | 8,263,000 | 12,245,000 | 15,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 170,229,000 | 165,357,000 | 170,580,000 | 174,667,000 |
| Total capital | 187,124,000 | 181,999,000 | 187,684,000 | 192,221,000 |
| Risk-weighted assets | 1,345,544,000 | 1,325,303,000 | 1,363,002,000 | 1,399,387,000 |