Call reports 2009
HERITAGE BANK OF NEVADA — 2009
What HERITAGE BANK OF NEVADA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 362,537,000 | 378,284,000 | 393,311,000 | 402,176,000 |
| Total loans | 286,222,000 | 281,886,000 | 284,125,000 | 290,082,000 |
| Allowance for loan losses | 3,788,000 | 3,763,000 | 3,899,000 | 4,350,000 |
| Securities available for sale | 35,316,000 | 40,186,000 | 44,466,000 | 47,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,524,000 | 339,918,000 | 352,788,000 | 361,806,000 |
| Interest-bearing deposits | 259,676,000 | 273,727,000 | 281,329,000 | 285,839,000 |
| Noninterest-bearing deposits | 64,848,000 | 66,191,000 | 71,459,000 | 75,967,000 |
| Equity capital | 36,081,000 | 36,520,000 | 38,122,000 | 38,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,132,000 | 10,250,000 | 15,470,000 | 20,717,000 |
| Interest expense | 1,402,000 | 2,831,000 | 4,078,000 | 5,139,000 |
| Net interest income | 3,730,000 | 7,419,000 | 11,392,000 | 15,578,000 |
| Noninterest income | 345,000 | 729,000 | 1,112,000 | 1,385,000 |
| Noninterest expense | 2,059,000 | 4,283,000 | 6,372,000 | 8,696,000 |
| Provision for loan losses | 300,000 | 700,000 | 1,150,000 | 1,750,000 |
| Pretax income | 1,761,000 | 3,246,000 | 5,088,000 | 6,657,000 |
| Income tax | 537,000 | 1,071,000 | 1,668,000 | 2,077,000 |
| Net income | 1,224,000 | 2,175,000 | 3,420,000 | 4,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,819,000 | 36,472,000 | 37,640,000 | 38,418,000 |
| Total capital | 39,501,000 | 40,110,000 | 41,315,000 | 42,163,000 |
| Risk-weighted assets | 294,334,000 | 290,825,000 | 293,663,000 | 298,841,000 |