Call reports 2012
HERITAGE BANK OF COMMERCE — 2012
What HERITAGE BANK OF COMMERCE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,302,101,000 | 1,321,261,000 | 1,352,637,000 | 1,690,383,000 |
| Total loans | 761,856,000 | 800,997,000 | 800,869,000 | 815,722,000 |
| Allowance for loan losses | 20,306,000 | 20,023,000 | 19,124,000 | 19,027,000 |
| Securities available for sale | 385,826,000 | 389,820,000 | 410,756,000 | 367,912,000 |
| Securities held to maturity | 0 | 0 | 25,592,000 | 51,472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,092,714,000 | 1,114,770,000 | 1,149,232,000 | 1,490,561,000 |
| Interest-bearing deposits | 723,632,000 | 734,816,000 | 732,153,000 | 751,684,000 |
| Noninterest-bearing deposits | 369,082,000 | 379,954,000 | 417,079,000 | 738,877,000 |
| Equity capital | 168,114,000 | 173,489,000 | 163,730,000 | 164,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 13,501,000 | 26,849,000 | 39,754,000 | 52,844,000 |
| Interest expense | 717,000 | 1,457,000 | 2,148,000 | 2,804,000 |
| Net interest income | 12,784,000 | 25,392,000 | 37,606,000 | 50,040,000 |
| Noninterest income | 1,374,000 | 3,119,000 | 4,654,000 | 6,226,000 |
| Noninterest expense | 10,100,000 | 18,888,000 | 27,742,000 | 36,842,000 |
| Provision for loan losses | 100,000 | 915,000 | 2,115,000 | 2,784,000 |
| Pretax income | 3,985,000 | 8,767,000 | 13,567,000 | 18,200,000 |
| Income tax | 1,246,000 | 2,749,000 | 4,078,000 | 5,489,000 |
| Net income | 2,739,000 | 6,018,000 | 9,489,000 | 12,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 153,285,000 | 154,480,000 | 144,530,000 | 147,742,000 |
| Total capital | 165,646,000 | 167,504,000 | 157,653,000 | 161,004,000 |
| Risk-weighted assets | 980,709,000 | 1,034,805,000 | 1,043,753,000 | 1,055,061,000 |