Call reports 2005
HERITAGE BANK OF FLORIDA — 2005
What HERITAGE BANK OF FLORIDA 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 | 116,747,000 | 134,170,000 | 142,883,000 | 154,493,000 |
| Total loans | 100,545,000 | 113,139,000 | 125,325,000 | 135,264,000 |
| Allowance for loan losses | 1,098,000 | 1,146,000 | 1,303,000 | 1,478,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,511,000 | 108,704,000 | 114,750,000 | 114,637,000 |
| Interest-bearing deposits | 77,951,000 | 90,459,000 | 93,817,000 | 94,280,000 |
| Noninterest-bearing deposits | 13,560,000 | 18,245,000 | 20,933,000 | 20,357,000 |
| Equity capital | 9,808,000 | 10,195,000 | 10,660,000 | 16,352,000 |
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 | 1,769,000 | 3,811,000 | 6,158,000 | 8,756,000 |
| Interest expense | 562,000 | 1,243,000 | 2,038,000 | 2,917,000 |
| Net interest income | 1,207,000 | 2,568,000 | 4,120,000 | 5,839,000 |
| Noninterest income | 139,000 | 250,000 | 367,000 | 477,000 |
| Noninterest expense | 597,000 | 1,265,000 | 2,011,000 | 2,828,000 |
| Provision for loan losses | 163,000 | 328,000 | 483,000 | 658,000 |
| Pretax income | 586,000 | 1,225,000 | 1,993,000 | 2,830,000 |
| Income tax | 228,000 | 480,000 | 783,000 | 1,087,000 |
| Net income | 358,000 | 745,000 | 1,210,000 | 1,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,808,000 | 10,195,000 | 10,660,000 | 16,352,000 |
| Total capital | 10,906,000 | 11,341,000 | 11,963,000 | 17,830,000 |
| Risk-weighted assets | 100,173,000 | 111,609,000 | 115,927,000 | 133,744,000 |