Call reports 2002
HERITAGE BANK OF NEVADA — 2002
What HERITAGE BANK OF NEVADA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 78,022,000 | 86,953,000 | 98,695,000 | 112,672,000 |
| Total loans | 53,484,000 | 61,793,000 | 69,128,000 | 73,377,000 |
| Allowance for loan losses | 673,000 | 730,000 | 830,000 | 908,000 |
| Securities available for sale | 9,549,000 | 12,435,000 | 14,216,000 | 16,833,000 |
| Securities held to maturity | 500,000 | 500,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,339,000 | 78,848,000 | 90,213,000 | 103,990,000 |
| Interest-bearing deposits | 46,133,000 | 50,827,000 | 62,094,000 | 72,821,000 |
| Noninterest-bearing deposits | 24,206,000 | 28,021,000 | 28,119,000 | 31,169,000 |
| Equity capital | 7,566,000 | 7,989,000 | 8,277,000 | 8,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,172,000 | 2,407,000 | 3,795,000 | 5,374,000 |
| Interest expense | 285,000 | 566,000 | 882,000 | 1,224,000 |
| Net interest income | 887,000 | 1,841,000 | 2,913,000 | 4,150,000 |
| Noninterest income | 72,000 | 182,000 | 295,000 | 422,000 |
| Noninterest expense | 801,000 | 1,574,000 | 2,450,000 | 3,480,000 |
| Provision for loan losses | 45,000 | 105,000 | 205,000 | 295,000 |
| Pretax income | 116,000 | 360,000 | 593,000 | 847,000 |
| Income tax | -10,000 | 8,000 | 54,000 | 104,000 |
| Net income | 126,000 | 352,000 | 539,000 | 743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,668,000 | 7,959,000 | 8,148,000 | 8,356,000 |
| Total capital | 8,341,000 | 8,689,000 | 8,979,000 | 9,264,000 |
| Risk-weighted assets | 55,577,000 | 64,775,000 | 72,053,000 | 77,585,000 |
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