Call reports 2016
HERITAGE OAKS BANK — 2016
What HERITAGE OAKS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,911,017,000 | 1,959,494,000 | 1,986,594,000 | 2,023,659,000 |
| Total loans | 1,296,746,000 | 1,341,072,000 | 1,349,530,000 | 1,394,334,000 |
| Allowance for loan losses | 17,565,000 | 17,448,000 | 17,643,000 | 17,237,000 |
| Securities available for sale | 441,660,000 | 446,888,000 | 456,475,000 | 458,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 877,000 | 1,503,000 | 1,910,000 | 1,364,000 |
| Total deposits | 1,594,850,000 | 1,617,269,000 | 1,639,740,000 | 1,691,371,000 |
| Interest-bearing deposits | 1,058,564,000 | 1,060,569,000 | 1,061,105,000 | 1,109,938,000 |
| Noninterest-bearing deposits | 536,286,000 | 556,700,000 | 578,635,000 | 581,433,000 |
| Equity capital | 204,596,000 | 212,350,000 | 215,840,000 | 214,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 17,010,000 | 34,749,000 | 52,413,000 | 71,327,000 |
| Interest expense | 1,263,000 | 2,576,000 | 3,884,000 | 5,205,000 |
| Net interest income | 15,747,000 | 32,173,000 | 48,529,000 | 66,122,000 |
| Noninterest income | 2,639,000 | 5,135,000 | 8,209,000 | 11,107,000 |
| Noninterest expense | 12,148,000 | 24,991,000 | 37,560,000 | 50,286,000 |
| Provision for loan losses | 0 | -1,000,000 | -1,000,000 | -1,500,000 |
| Pretax income | 6,789,000 | 13,996,000 | 21,128,000 | 29,375,000 |
| Income tax | 2,581,000 | 5,348,000 | 8,133,000 | 11,651,000 |
| Net income | 4,208,000 | 8,648,000 | 12,995,000 | 17,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 169,297,000 | 174,701,000 | 180,737,000 | 186,239,000 |
| Total capital | 187,271,000 | 192,659,000 | 198,890,000 | 203,986,000 |
| Risk-weighted assets | 1,435,136,000 | 1,466,814,000 | 1,477,890,000 | 1,528,153,000 |