Call reports 2005
HERITAGE BANK OF COMMERCE — 2005
What HERITAGE BANK OF COMMERCE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,153,245,000 | 1,095,396,000 | 1,158,028,000 | 1,128,688,000 |
| Total loans | 763,480,000 | 749,393,000 | 777,643,000 | 758,925,000 |
| Allowance for loan losses | 11,248,000 | 11,436,000 | 11,112,000 | 10,224,000 |
| Securities available for sale | 225,082,000 | 226,630,000 | 209,415,000 | 198,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 969,487,000 | 913,014,000 | 977,052,000 | 942,535,000 |
| Interest-bearing deposits | 832,248,000 | 793,788,000 | 841,725,000 | 809,091,000 |
| Noninterest-bearing deposits | 137,239,000 | 119,226,000 | 135,327,000 | 133,444,000 |
| Equity capital | 116,861,000 | 122,570,000 | 126,532,000 | 131,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 14,438,000 | 29,799,000 | 46,311,000 | 63,756,000 |
| Interest expense | 2,710,000 | 5,874,000 | 9,610,000 | 13,834,000 |
| Net interest income | 11,728,000 | 23,925,000 | 36,701,000 | 49,922,000 |
| Noninterest income | 2,319,000 | 4,896,000 | 7,076,000 | 9,423,000 |
| Noninterest expense | 9,029,000 | 17,566,000 | 25,747,000 | 34,103,000 |
| Provision for loan losses | 413,000 | 807,000 | 313,000 | 313,000 |
| Pretax income | 4,605,000 | 10,448,000 | 17,717,000 | 24,929,000 |
| Income tax | 1,421,000 | 3,360,000 | 5,900,000 | 8,353,000 |
| Net income | 3,184,000 | 7,088,000 | 11,817,000 | 16,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,485,000 | 123,898,000 | 127,455,000 | 132,349,000 |
| Total capital | 131,050,000 | 135,494,000 | 138,750,000 | 142,776,000 |
| Risk-weighted assets | 946,862,000 | 927,624,000 | 959,527,000 | 939,746,000 |