Call reports 2007
HERITAGE BANK OF NEVADA — 2007
What HERITAGE BANK OF NEVADA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 279,353,000 | 300,318,000 | 308,479,000 | 300,064,000 |
| Total loans | 227,964,000 | 246,419,000 | 246,822,000 | 254,583,000 |
| Allowance for loan losses | 2,567,000 | 2,757,000 | 2,786,000 | 2,846,000 |
| Securities available for sale | 26,259,000 | 27,875,000 | 28,887,000 | 27,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,449,000 | 269,801,000 | 276,982,000 | 266,103,000 |
| Interest-bearing deposits | 182,072,000 | 193,750,000 | 202,788,000 | 193,651,000 |
| Noninterest-bearing deposits | 67,377,000 | 76,051,000 | 74,194,000 | 72,452,000 |
| Equity capital | 28,482,000 | 29,314,000 | 30,047,000 | 30,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,816,000 | 10,027,000 | 15,612,000 | 20,979,000 |
| Interest expense | 1,746,000 | 3,684,000 | 5,791,000 | 7,736,000 |
| Net interest income | 3,070,000 | 6,343,000 | 9,821,000 | 13,243,000 |
| Noninterest income | 246,000 | 518,000 | 766,000 | 1,052,000 |
| Noninterest expense | 1,716,000 | 3,494,000 | 5,332,000 | 7,630,000 |
| Provision for loan losses | 50,000 | 240,000 | 270,000 | 330,000 |
| Pretax income | 1,551,000 | 3,125,000 | 4,988,000 | 6,354,000 |
| Income tax | 478,000 | 978,000 | 1,580,000 | 2,026,000 |
| Net income | 1,073,000 | 2,147,000 | 3,408,000 | 4,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,667,000 | 29,651,000 | 30,195,000 | 30,509,000 |
| Total capital | 31,364,000 | 32,538,000 | 33,111,000 | 33,485,000 |
| Risk-weighted assets | 241,312,000 | 258,018,000 | 259,645,000 | 263,730,000 |