Call reports 2009
HERITAGE BANK OF COMMERCE — 2009
What HERITAGE BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,459,337,000 | 1,435,619,000 | 1,366,030,000 | 1,360,951,000 |
| Total loans | 1,210,572,000 | 1,182,172,000 | 1,103,544,000 | 1,080,855,000 |
| Allowance for loan losses | 23,900,000 | 31,398,000 | 28,976,000 | 28,768,000 |
| Securities available for sale | 97,340,000 | 101,837,000 | 96,618,000 | 109,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,175,217,000 | 1,172,072,000 | 1,123,391,000 | 1,094,878,000 |
| Interest-bearing deposits | 1,041,699,000 | 1,046,669,000 | 1,002,267,000 | 954,273,000 |
| Noninterest-bearing deposits | 133,518,000 | 125,403,000 | 121,124,000 | 140,605,000 |
| Equity capital | 193,789,000 | 189,161,000 | 188,965,000 | 188,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 16,102,000 | 31,983,000 | 47,618,000 | 62,593,000 |
| Interest expense | 4,332,000 | 7,985,000 | 11,387,000 | 14,360,000 |
| Net interest income | 11,770,000 | 23,998,000 | 36,231,000 | 48,233,000 |
| Noninterest income | 1,340,000 | 2,673,000 | 4,674,000 | 6,435,000 |
| Noninterest expense | 10,644,000 | 21,933,000 | 31,987,000 | 41,413,000 |
| Provision for loan losses | 10,420,000 | 21,124,000 | 28,253,000 | 33,928,000 |
| Pretax income | -7,954,000 | -16,386,000 | -19,342,000 | -20,442,000 |
| Income tax | -4,461,000 | -8,117,000 | -9,489,000 | -10,599,000 |
| Net income | -3,493,000 | -8,269,000 | -9,853,000 | -9,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,447,000 | 132,424,000 | 132,482,000 | 133,216,000 |
| Total capital | 160,855,000 | 148,429,000 | 147,393,000 | 147,959,000 |
| Risk-weighted assets | 1,304,916,000 | 1,264,684,000 | 1,178,355,000 | 1,165,014,000 |
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