Call reports 2010
HERITAGE BANK OF NEVADA — 2010
What HERITAGE BANK OF NEVADA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 450,927,000 | 455,371,000 | 449,468,000 | 452,198,000 |
| Total loans | 314,514,000 | 318,917,000 | 317,763,000 | 312,709,000 |
| Allowance for loan losses | 4,711,000 | 5,958,000 | 5,815,000 | 5,762,000 |
| Securities available for sale | 53,412,000 | 55,977,000 | 64,268,000 | 68,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,903,000 | 411,136,000 | 403,828,000 | 407,369,000 |
| Interest-bearing deposits | 322,787,000 | 323,914,000 | 312,143,000 | 322,569,000 |
| Noninterest-bearing deposits | 85,116,000 | 87,222,000 | 91,685,000 | 84,800,000 |
| Equity capital | 40,621,000 | 42,116,000 | 43,810,000 | 42,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,436,000 | 11,910,000 | 17,791,000 | 23,347,000 |
| Interest expense | 965,000 | 1,884,000 | 2,707,000 | 3,381,000 |
| Net interest income | 4,471,000 | 10,026,000 | 15,084,000 | 19,966,000 |
| Noninterest income | 2,015,000 | 2,356,000 | 2,747,000 | 3,106,000 |
| Noninterest expense | 2,295,000 | 4,749,000 | 7,307,000 | 10,225,000 |
| Provision for loan losses | 850,000 | 2,528,000 | 3,806,000 | 5,306,000 |
| Pretax income | 3,361,000 | 5,145,000 | 6,799,000 | 7,706,000 |
| Income tax | 1,065,000 | 1,721,000 | 2,098,000 | 2,378,000 |
| Net income | 2,296,000 | 3,424,000 | 4,701,000 | 5,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,440,000 | 41,536,000 | 42,658,000 | 43,061,000 |
| Total capital | 44,311,000 | 45,402,000 | 46,524,000 | 46,884,000 |
| Risk-weighted assets | 308,743,000 | 307,080,000 | 307,207,000 | 303,706,000 |