Call reports 2005
HERITAGE BANK OF NEVADA — 2005
What HERITAGE BANK OF NEVADA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 210,205,000 | 231,001,000 | 232,358,000 | 235,024,000 |
| Total loans | 168,461,000 | 177,870,000 | 183,439,000 | 188,245,000 |
| Allowance for loan losses | 2,007,000 | 2,087,000 | 2,167,000 | 2,242,000 |
| Securities available for sale | 21,178,000 | 22,345,000 | 23,417,000 | 24,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,695,000 | 208,575,000 | 208,837,000 | 210,855,000 |
| Interest-bearing deposits | 125,200,000 | 139,171,000 | 134,407,000 | 141,017,000 |
| Noninterest-bearing deposits | 63,495,000 | 69,404,000 | 74,430,000 | 69,838,000 |
| Equity capital | 20,775,000 | 21,887,000 | 22,812,000 | 23,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,838,000 | 6,113,000 | 9,697,000 | 13,405,000 |
| Interest expense | 489,000 | 1,103,000 | 1,840,000 | 2,719,000 |
| Net interest income | 2,349,000 | 5,010,000 | 7,857,000 | 10,686,000 |
| Noninterest income | 219,000 | 480,000 | 738,000 | 1,010,000 |
| Noninterest expense | 1,294,000 | 2,678,000 | 4,098,000 | 5,805,000 |
| Provision for loan losses | 225,000 | 305,000 | 385,000 | 455,000 |
| Pretax income | 1,045,000 | 2,494,000 | 4,099,000 | 5,423,000 |
| Income tax | 359,000 | 821,000 | 1,372,000 | 1,809,000 |
| Net income | 686,000 | 1,673,000 | 2,727,000 | 3,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,059,000 | 22,000,000 | 23,002,000 | 23,881,000 |
| Total capital | 23,136,000 | 24,182,000 | 25,289,000 | 26,243,000 |
| Risk-weighted assets | 173,612,000 | 187,979,000 | 192,112,000 | 199,602,000 |
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