Call reports 2009
HERITAGE BANK OF FLORIDA — 2009
What HERITAGE BANK OF FLORIDA 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 | 257,370,000 | 255,475,000 | 269,352,000 | 269,746,000 |
| Total loans | 211,714,000 | 211,921,000 | 211,453,000 | 216,400,000 |
| Allowance for loan losses | 2,791,000 | 2,933,000 | 2,832,000 | 2,837,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 7,991,000 | 6,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,080,000 | 211,014,000 | 227,731,000 | 230,206,000 |
| Interest-bearing deposits | 198,415,000 | 198,737,000 | 209,711,000 | 214,540,000 |
| Noninterest-bearing deposits | 12,665,000 | 12,277,000 | 18,020,000 | 15,666,000 |
| Equity capital | 24,117,000 | 24,351,000 | 24,524,000 | 24,597,000 |
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 | 3,650,000 | 7,077,000 | 10,469,000 | 13,895,000 |
| Interest expense | 1,896,000 | 3,774,000 | 5,581,000 | 7,262,000 |
| Net interest income | 1,754,000 | 3,303,000 | 4,888,000 | 6,633,000 |
| Noninterest income | 108,000 | 223,000 | 380,000 | 496,000 |
| Noninterest expense | 1,115,000 | 2,072,000 | 3,237,000 | 4,356,000 |
| Provision for loan losses | 375,000 | 704,000 | 1,000,000 | 1,624,000 |
| Pretax income | 372,000 | 750,000 | 1,031,000 | 1,149,000 |
| Income tax | 140,000 | 284,000 | 392,000 | 436,000 |
| Net income | 232,000 | 466,000 | 639,000 | 713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,117,000 | 24,351,000 | 24,524,000 | 24,597,000 |
| Total capital | 26,908,000 | 27,284,000 | 27,356,000 | 27,434,000 |
| Risk-weighted assets | 223,242,000 | 234,414,000 | 226,684,000 | 226,351,000 |