Call reports 2008
HERITAGE BANK OF NEVADA — 2008
What HERITAGE BANK OF NEVADA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 309,116,000 | 315,601,000 | 332,354,000 | 334,820,000 |
| Total loans | 258,737,000 | 267,416,000 | 279,008,000 | 281,031,000 |
| Allowance for loan losses | 2,938,000 | 3,039,000 | 3,264,000 | 3,568,000 |
| Securities available for sale | 25,709,000 | 28,437,000 | 28,298,000 | 32,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,455,000 | 274,570,000 | 297,138,000 | 298,399,000 |
| Interest-bearing deposits | 201,302,000 | 207,123,000 | 229,088,000 | 231,885,000 |
| Noninterest-bearing deposits | 74,153,000 | 67,447,000 | 68,050,000 | 66,514,000 |
| Equity capital | 31,796,000 | 32,429,000 | 33,552,000 | 34,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,264,000 | 10,400,000 | 15,694,000 | 20,991,000 |
| Interest expense | 1,742,000 | 3,269,000 | 4,877,000 | 6,455,000 |
| Net interest income | 3,522,000 | 7,131,000 | 10,817,000 | 14,536,000 |
| Noninterest income | 274,000 | 553,000 | 843,000 | 1,150,000 |
| Noninterest expense | 1,904,000 | 3,795,000 | 5,707,000 | 7,957,000 |
| Provision for loan losses | 140,000 | 260,000 | 485,000 | 1,010,000 |
| Pretax income | 1,753,000 | 3,628,000 | 5,472,000 | 6,737,000 |
| Income tax | 553,000 | 1,153,000 | 1,759,000 | 2,159,000 |
| Net income | 1,200,000 | 2,475,000 | 3,713,000 | 4,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,652,000 | 32,608,000 | 33,872,000 | 34,663,000 |
| Total capital | 34,720,000 | 35,777,000 | 37,266,000 | 38,261,000 |
| Risk-weighted assets | 273,899,000 | 282,241,000 | 287,275,000 | 287,768,000 |