Call reports 2010
HERITAGE BANK OF FLORIDA — 2010
What HERITAGE BANK OF FLORIDA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 272,839,000 | 259,086,000 | 268,773,000 | 253,882,000 |
| Total loans | 216,166,000 | 214,637,000 | 214,949,000 | 212,993,000 |
| Allowance for loan losses | 2,819,000 | 9,087,000 | 10,112,000 | 8,687,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,998,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,193,000 | 236,528,000 | 246,483,000 | 231,932,000 |
| Interest-bearing deposits | 220,945,000 | 223,187,000 | 229,239,000 | 218,026,000 |
| Noninterest-bearing deposits | 17,248,000 | 13,341,000 | 17,244,000 | 13,906,000 |
| Equity capital | 24,709,000 | 17,607,000 | 17,407,000 | 17,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,325,000 | 6,542,000 | 9,594,000 | 12,518,000 |
| Interest expense | 1,462,000 | 2,714,000 | 3,861,000 | 4,853,000 |
| Net interest income | 1,863,000 | 3,828,000 | 5,733,000 | 7,665,000 |
| Noninterest income | 128,000 | 299,000 | 468,000 | 566,000 |
| Noninterest expense | 1,160,000 | 2,351,000 | 3,588,000 | 5,537,000 |
| Provision for loan losses | 650,000 | 13,051,000 | 14,141,000 | 14,643,000 |
| Pretax income | 181,000 | -11,275,000 | -11,528,000 | -11,949,000 |
| Income tax | 69,000 | -4,285,000 | -4,338,000 | -4,497,000 |
| Net income | 112,000 | -6,990,000 | -7,190,000 | -7,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,709,000 | 17,607,000 | 17,407,000 | 15,292,000 |
| Total capital | 27,528,000 | 20,509,000 | 20,266,000 | 17,809,000 |
| Risk-weighted assets | 225,246,000 | 226,010,000 | 221,486,000 | 195,267,000 |
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