Call reports 2004
HERITAGE BANK OF FLORIDA — 2004
What HERITAGE BANK OF FLORIDA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 92,818,000 | 102,171,000 | 103,128,000 | 106,331,000 |
| Total loans | 76,231,000 | 82,170,000 | 86,351,000 | 91,703,000 |
| Allowance for loan losses | 690,000 | 786,000 | 937,000 | 1,062,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,030,000 | 1,020,000 | 1,011,000 | 1,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,846,000 | 87,072,000 | 87,680,000 | 88,714,000 |
| Interest-bearing deposits | 67,313,000 | 72,884,000 | 75,839,000 | 75,026,000 |
| Noninterest-bearing deposits | 10,533,000 | 14,188,000 | 11,841,000 | 13,688,000 |
| Equity capital | 8,715,000 | 8,958,000 | 9,243,000 | 9,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,256,000 | 2,635,000 | 4,100,000 | 5,696,000 |
| Interest expense | 351,000 | 747,000 | 1,166,000 | 1,617,000 |
| Net interest income | 905,000 | 1,888,000 | 2,934,000 | 4,079,000 |
| Noninterest income | 99,000 | 199,000 | 329,000 | 458,000 |
| Noninterest expense | 512,000 | 1,054,000 | 1,604,000 | 2,183,000 |
| Provision for loan losses | 135,000 | 275,000 | 430,000 | 565,000 |
| Pretax income | 357,000 | 758,000 | 1,229,000 | 1,789,000 |
| Income tax | 135,000 | 293,000 | 479,000 | 683,000 |
| Net income | 222,000 | 465,000 | 750,000 | 1,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,715,000 | 8,958,000 | 9,243,000 | 9,450,000 |
| Total capital | 9,405,000 | 9,744,000 | 10,180,000 | 10,512,000 |
| Risk-weighted assets | 78,198,000 | 82,034,000 | 86,803,000 | 92,263,000 |