Financial HighlightsHERITAGE COMMERCE CORP (NASDAQ - HTBK)  
 2017 FQ3 YTD2016 FY2015 FY2014 FY2013 FY
Period Ended9/30/201712/31/201612/31/201512/31/201412/31/2013
Balance Sheet ($000)   
Total Assets2,843,9482,570,8802,361,5791,617,1031,491,632
Total Net Loans1,550,8041,489,2231,347,0871,071,436898,897
Total Deposits2,480,6042,262,1402,062,7751,388,3861,286,221
Equity Attributable to Parent Company275,445259,850245,436184,358173,396
Total Equity275,445259,850245,436184,358173,396
Profitability (%)   
Net Income ($000) 22,57027,38116,49713,42711,540
Net Income Attributable to Parent ($000) 22,57027,38116,49713,42711,540
ROAA1.121.130.860.880.81
Core ROAA1.151.111.090.950.83
ROAE11.3110.718.047.446.77
ROATCE14.5113.469.087.236.59
Core ROAE11.6710.5510.208.036.94
Net Interest Margin4.024.124.414.103.84
Reported: Net Interest Margin4.034.124.414.103.84
Efficiency Ratio53.3855.0259.7964.4469.17
Noninterest Inc / Operating Rev8.599.359.8511.8112.51
Balance Sheet Ratios (%)   
Loans / Deposits63.1366.4265.8778.4171.13
Securities / Assets27.6925.1221.4719.3125.91
Total Equity / Total Assets9.6910.1110.3911.4011.62
Tangible Equity / Tangible Assets8.028.238.2910.5011.53
Tang Common Equity / Tang Assets8.028.237.449.2810.22
Asset Quality (%)   
NPAs / Assets0.100.130.220.420.80
NPA Excl Restructured / Assets0.090.130.220.410.80
NPAs & 90+ PD / Assets0.130.130.290.420.83
NPAs / Loans & REO0.180.230.380.621.30
Nonaccrual & 90+ & OREO / Assets0.120.130.290.410.83
NPAs & 90+ PD / Loans & REO0.240.230.500.621.35
NPA & Loans 90+ / Tangible Common Equity + LLR1.571.513.614.037.23
NCOs / Avg Loans(0.02)0.08(0.04)0.05(0.11)
Loan Loss Reserves / Gross Loans1.261.271.391.692.09
Reserves / NPAs680.26558.32361.94273.58161.03
Loan Loss Provision / NCONM115.18NM(75.62)NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 229,656214,924181,222149,759145,643
Tier 1 Capital ($000) 229,656214,924199,299169,278165,162
Tier 2 Capital ($000) 59,57519,70519,616NANA
Total Capital ($000) 289,231234,629218,915186,068179,916
Total Risk-weighted Assets ($000) 1,986,4881,876,7321,750,5151,341,0941,175,813
Tier 1 Common Capital (CET1) Ratio (%) 11.5611.4510.3511.1712.39
Tier 1 Ratio (%) 11.5611.4511.3912.6214.05
Total Capital Ratio (%) 14.5612.5012.5113.8715.30
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 8.258.548.5810.5911.18
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 38,199,00637,941,00732,113,47926,503,50526,350,938
Avg Diluted Shares (actual) 38,565,13434,219,12128,786,07826,526,28226,386,452
Basic Book Value per Share7.216.857.036.225.84
As-reported Book Value per Share7.216.857.036.225.84
Basic Tangible Book Value per Share5.865.465.355.605.78
Reported: Tangible Book Value5.865.465.355.605.78
Common Dividends Declared per Share0.300.360.320.180.06
EPS after Extra0.590.720.480.420.36
EPS after Extra Growth (%) 11.3050.0014.3016.7033.30
Core EPS0.610.710.630.460.37
Core EPS Growth (%) 16.4011.7037.6024.2029.00
Diluted EPS before Amortization0.620.770.520.440.38
Pre-Provision Earnings per Share0.620.740.640.450.34

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