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Profile - Heritage Oaks Bancorp (OTC BB:HEOP.OB)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Insider
Recent Events
Aug 31Price hit new 52-week high ($23.75)
Location
545 12th Street
Paso Robles, CA 93446
Phone: (805) 239-5200
Fax: (805) 239-5220
Email: amitchell@heritageoaksbank.com
Employees (last reported count): 93
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 54%
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Heritage Oaks Bancorp is the holding company for Heritage Oaks Bank (the Bank). The Bank is headquartered in Paso Robles, with a branch office in Paso Robles, two branch offices in San Luis Obispo, one branch office in Cambria, one branch office in Arroyo Grande, one branch located in Santa Maria and one branch located in Atascadero. The Bank conducts a commercial banking business in San Luis Obispo County and Northern Santa Barbara County, including accepting demand, savings and time deposits, and making commercial, real estate, SBA, agricultural, credit card and consumer loans. The Bank also offers installment note collection, issues cashiers checks and money orders, sells travelers checks, and provides bank-by-mail, night depository, safe deposit boxes and other customary banking services. At December 31, 2000, the Company had approximately $184.1 million in assets, $133.7 million in net loans, $167.7 million in deposits and $13.5 million in stockholders' equity.
More from Market Guide: Expanded Business Description

Financial Summary
HEOP is a bank holding company for Heritage Oaks Bank. The bank has branches in Paso Robles, San Luis Obispo, and Cambria, CA. For the six months ended 6/30/01, total interest income rose 15% to $7.4 million. Net interest income after loan provision rose 12% to $5 million. Net income rose 7% to $1.1 million. Results reflect an increase in average loans, partially offset by an increased loan loss provision and a higher effective income tax rate.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Compensation
PayExer

B. Bryant, 68
Chairman of Directors of the Corp. and of the Bank
--  --  
Lawrence Ward, 49
Pres, CEO, Director
$270K--  
Donald Campbell, 60
Vice Chairman of Directors of the Corp. and of the Bank
--  --  
Margaret Torres, 50
CFO, Exec. VP
154K--  
Paul Tognazzini, 51
Exec. VP / CLO
149K$125K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:HEOP.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 20-Nov-2000
$16.19 
Recent Price$23.75 
52-Week High
on 31-Aug-2001
$23.75 
Beta0.07 
Daily Volume (3-month avg)500 
Daily Volume (10-day avg)1,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y]
52-Week Change+46.7%
52-Week Change
relative to S&P500
+96.8%
Share-Related Items
Market Capitalization$30.8M
Shares Outstanding1.30M
Float600.0K
Dividends & Splits
Annual Dividendnone 
Last Split: 21 for 20 on 5-Apr-2001
Per-Share Data
Book Value (mrq)$11.35 
Earnings (ttm)$1.70 
Earnings (mrq)$0.37 
Sales (ttm)$10.90 
Cash (mrq)$11.27 
Valuation Ratios
Price/Book (mrq)2.09 
Price/Earnings (ttm)13.99 
Price/Sales (ttm)2.18 
Income Statements
Sales (ttm)$14.9M
EBITDAN/A 
Income available to common (ttm)$2.32M
Profitability
Profit Margin (ttm)15.6%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.27%
Return on Equity (ttm)17.39%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$14.6M
Short Interest
Shares ShortN/A 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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