Call reports 2001
HEBER VALLEY NATIONAL BANK — 2001
What HEBER VALLEY NATIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 12,569,000 | 11,267,000 | 15,158,000 | 14,678,000 |
| Total loans | 2,177,000 | 4,068,000 | 6,476,000 | 9,001,000 |
| Allowance for loan losses | 55,000 | 70,000 | 85,000 | 100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,886,000 | 5,106,000 | 3,795,000 | 2,884,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,346,000 | 9,076,000 | 13,002,000 | 12,544,000 |
| Interest-bearing deposits | 6,223,000 | 7,777,000 | 10,858,000 | 9,824,000 |
| Noninterest-bearing deposits | 4,123,000 | 1,299,000 | 2,144,000 | 2,720,000 |
| Equity capital | 2,175,000 | 2,110,000 | 2,066,000 | 2,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 113,000 | 278,000 | 471,000 | 686,000 |
| Interest expense | 68,000 | 145,000 | 228,000 | 303,000 |
| Net interest income | 45,000 | 131,000 | 243,000 | 383,000 |
| Noninterest income | 6,000 | 13,000 | 25,000 | 41,000 |
| Noninterest expense | 181,000 | 358,000 | 531,000 | 712,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | -145,000 | -244,000 | -308,000 | -348,000 |
| Income tax | -49,000 | -83,000 | -103,000 | -117,000 |
| Net income | -96,000 | -161,000 | -205,000 | -231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,175,000 | 2,110,000 | 2,066,000 | 2,040,000 |
| Total capital | 2,230,000 | 2,180,000 | 2,151,000 | 2,140,000 |
| Risk-weighted assets | 4,673,000 | 5,936,000 | 8,122,000 | 10,344,000 |