Call reports 2015
HERITAGE BANK OF NEVADA — 2015
What HERITAGE BANK OF NEVADA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 561,881,000 | 585,535,000 | 601,341,000 | 612,456,000 |
| Total loans | 424,508,000 | 443,975,000 | 442,582,000 | 457,423,000 |
| Allowance for loan losses | 9,246,000 | 9,255,000 | 9,233,000 | 8,711,000 |
| Securities available for sale | 94,554,000 | 88,624,000 | 93,432,000 | 98,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,239,000 | 498,058,000 | 525,603,000 | 535,183,000 |
| Interest-bearing deposits | 324,626,000 | 321,913,000 | 340,801,000 | 354,495,000 |
| Noninterest-bearing deposits | 165,613,000 | 176,144,000 | 184,801,000 | 180,688,000 |
| Equity capital | 65,723,000 | 68,134,000 | 70,954,000 | 73,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,114,000 | 12,471,000 | 18,990,000 | 25,581,000 |
| Interest expense | 218,000 | 434,000 | 651,000 | 876,000 |
| Net interest income | 5,896,000 | 12,037,000 | 18,339,000 | 24,705,000 |
| Noninterest income | 637,000 | 1,471,000 | 2,111,000 | 2,774,000 |
| Noninterest expense | 2,966,000 | 5,991,000 | 9,086,000 | 12,349,000 |
| Provision for loan losses | 0 | 0 | 0 | -605,000 |
| Pretax income | 3,567,000 | 7,518,000 | 11,373,000 | 15,744,000 |
| Income tax | 928,000 | 2,139,000 | 3,433,000 | 4,924,000 |
| Net income | 2,639,000 | 5,379,000 | 7,940,000 | 10,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,880,000 | 67,713,000 | 70,365,000 | 72,838,000 |
| Total capital | 70,684,000 | 73,772,000 | 76,415,000 | 79,131,000 |
| Risk-weighted assets | 460,705,000 | 481,361,000 | 480,639,000 | 500,802,000 |