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HERITAGE OAKS BANCORP ( - )  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,384,9491,290,1867.341,384,2790.19
Loans Held for Sale, before Reserves06,560NM10,055NM
Loan Loss Reserve17,20017,565(2.08)17,237(0.86)
Net Loans Receivable1,367,7491,279,1816.921,377,097(2.72)
Intangible Assets28,09228,940(2.93)28,239(2.08)
Total Assets2,028,5191,913,1206.032,024,8900.72
Deposits1,668,0841,582,5895.401,683,895(3.76)
Debt, Senior and Subordinated139,150113,49722.60118,11271.25
Common Equity213,226208,3302.35212,8500.71
Total Shareholders' Equity213,226208,3302.35212,8500.71
Shares Outstanding (actual)34,455,59034,129,4250.9634,345,0731.29
Income Statement ($000)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income16,36115,6184.7617,463(25.24)
Provision for Loan Losses000.00(500)NM
Noninterest Income2,1182,856(25.84)2,898(107.66)
Noninterest Expense11,28212,621(10.61)12,066(25.99)
Net Income Before Taxes1,0796,404(83.15)7,937(345.62)
Provision for Taxes5162,419(78.67)3,387(339.06)
Net Income5633,985(85.87)4,550(350.51)
Per Share Items ($)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share6.196.101.386.20(0.58)
Tangible Book Value5.375.262.235.38(0.15)
Diluted EPS Before ExtraNA0.12NA0.13NA
Diluted EPS After ExtraNA0.12NA0.13NA
Dividends Declared0.06000.06000.000.06000.00
Performance Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA0.110.84(73)0.91(80)
ROAE1.067.62(656)8.46(740)
Net Interest Margin3.453.63(18)3.81(37)
Loans / Deposits83.0381.5215082.2182
Efficiency Ratio60.2665.68(543)57.06320
Balance Sheet Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.259.52(27)9.251
Equity/ Assets10.5110.89(38)10.510
Asset Quality Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.99NA0.80NA
Loan Loss Reserves/ Gross Loans1.241.35(11)1.241
Loan Loss Reserves/ NPAsNA92.46NA106.65NA
Net Charge-offs/ Avg Loans0.01(0.04)5(0.03)4
Regulatory Capital Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio12.7412.74012.713
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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