Call reports 2008
HERITAGE BANK OF FLORIDA — 2008
What HERITAGE BANK OF FLORIDA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 213,138,000 | 221,337,000 | 231,653,000 | 241,885,000 |
| Total loans | 194,544,000 | 200,524,000 | 203,561,000 | 211,988,000 |
| Allowance for loan losses | 2,462,000 | 2,455,000 | 2,626,000 | 2,616,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,685,000 | 170,507,000 | 180,845,000 | 193,880,000 |
| Interest-bearing deposits | 147,653,000 | 156,169,000 | 168,100,000 | 181,373,000 |
| Noninterest-bearing deposits | 15,032,000 | 14,338,000 | 12,745,000 | 12,507,000 |
| Equity capital | 22,424,000 | 23,070,000 | 23,627,000 | 23,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,836,000 | 7,656,000 | 11,513,000 | 15,347,000 |
| Interest expense | 1,886,000 | 3,766,000 | 5,629,000 | 7,598,000 |
| Net interest income | 1,950,000 | 3,890,000 | 5,884,000 | 7,749,000 |
| Noninterest income | 121,000 | 250,000 | 373,000 | 502,000 |
| Noninterest expense | 957,000 | 1,953,000 | 3,015,000 | 4,095,000 |
| Provision for loan losses | 90,000 | 150,000 | 365,000 | 825,000 |
| Pretax income | 1,024,000 | 2,037,000 | 2,877,000 | 3,331,000 |
| Income tax | 378,000 | 745,000 | 1,028,000 | 1,225,000 |
| Net income | 646,000 | 1,292,000 | 1,849,000 | 2,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,424,000 | 23,070,000 | 23,627,000 | 23,885,000 |
| Total capital | 24,886,000 | 25,525,000 | 26,108,000 | 26,501,000 |
| Risk-weighted assets | 201,467,000 | 205,769,000 | 200,240,000 | 208,508,000 |
Machine access — free, no API key
Every figure shown here about HERITAGE BANK OF FLORIDA — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.