Call reports 2011
HERITAGE BANK OF FLORIDA — 2011
What HERITAGE BANK OF FLORIDA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 249,063,000 | 248,382,000 | 246,721,000 | 232,428,000 |
| Total loans | 206,316,000 | 203,878,000 | 200,808,000 | 195,650,000 |
| Allowance for loan losses | 7,657,000 | 7,996,000 | 7,867,000 | 8,774,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,711,000 | 229,056,000 | 227,186,000 | 218,746,000 |
| Interest-bearing deposits | 216,033,000 | 215,497,000 | 213,704,000 | 205,657,000 |
| Noninterest-bearing deposits | 13,678,000 | 13,559,000 | 13,482,000 | 13,089,000 |
| Equity capital | 14,545,000 | 14,544,000 | 14,595,000 | 8,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,893,000 | 5,636,000 | 8,330,000 | 10,961,000 |
| Interest expense | 884,000 | 1,712,000 | 2,493,000 | 3,214,000 |
| Net interest income | 2,009,000 | 3,924,000 | 5,837,000 | 7,747,000 |
| Noninterest income | 142,000 | 273,000 | -57,000 | -111,000 |
| Noninterest expense | 1,444,000 | 2,719,000 | 4,212,000 | 6,060,000 |
| Provision for loan losses | 4,876,000 | 5,648,000 | 5,649,000 | 6,321,000 |
| Pretax income | -4,169,000 | -4,170,000 | -4,081,000 | -4,745,000 |
| Income tax | -1,569,000 | -1,569,000 | -1,531,000 | 0 |
| Net income | -2,600,000 | -2,601,000 | -2,550,000 | -4,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,425,000 | 9,335,000 | 9,418,000 | 8,760,000 |
| Total capital | 11,708,000 | 11,873,000 | 11,853,000 | 11,145,000 |
| Risk-weighted assets | 193,559,000 | 197,544,000 | 189,397,000 | 184,398,000 |