Call reports 2006
HERITAGE BANK OF COMMERCE — 2006
What HERITAGE BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,118,308,000 | 1,092,581,000 | 1,060,905,000 | 1,035,305,000 |
| Total loans | 726,610,000 | 744,089,000 | 736,808,000 | 742,988,000 |
| Allowance for loan losses | 9,748,000 | 9,098,000 | 9,379,000 | 9,279,000 |
| Securities available for sale | 186,168,000 | 191,471,000 | 173,723,000 | 172,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 945,893,000 | 917,816,000 | 879,867,000 | 848,697,000 |
| Interest-bearing deposits | 808,850,000 | 787,805,000 | 754,662,000 | 732,073,000 |
| Noninterest-bearing deposits | 137,043,000 | 130,011,000 | 125,205,000 | 116,624,000 |
| Equity capital | 126,205,000 | 130,839,000 | 137,554,000 | 143,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 17,260,000 | 35,652,000 | 54,220,000 | 72,957,000 |
| Interest expense | 4,513,000 | 9,710,000 | 14,884,000 | 20,242,000 |
| Net interest income | 12,747,000 | 25,942,000 | 39,336,000 | 52,715,000 |
| Noninterest income | 2,630,000 | 4,670,000 | 6,712,000 | 8,842,000 |
| Noninterest expense | 8,133,000 | 16,038,000 | 23,746,000 | 31,839,000 |
| Provision for loan losses | -489,000 | -603,000 | -603,000 | -503,000 |
| Pretax income | 7,733,000 | 15,177,000 | 22,905,000 | 30,221,000 |
| Income tax | 2,766,000 | 5,417,000 | 8,196,000 | 10,555,000 |
| Net income | 4,967,000 | 9,760,000 | 14,709,000 | 19,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,712,000 | 132,810,000 | 138,185,000 | 144,955,000 |
| Total capital | 137,633,000 | 142,303,000 | 147,939,000 | 154,711,000 |
| Risk-weighted assets | 833,945,000 | 850,457,000 | 837,174,000 | 853,882,000 |