Call reports 2002
HEBER VALLEY NATIONAL BANK — 2002
What HEBER VALLEY NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 16,500,000 | 17,060,000 | 18,553,000 | 18,667,000 |
| Total loans | 10,491,000 | 11,618,000 | 11,752,000 | 13,602,000 |
| Allowance for loan losses | 122,000 | 145,000 | 168,000 | 190,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,705,000 | 4,192,000 | 4,182,000 | 4,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,977,000 | 13,958,000 | 16,400,000 | 14,598,000 |
| Interest-bearing deposits | 9,715,000 | 11,658,000 | 12,405,000 | 12,189,000 |
| Noninterest-bearing deposits | 3,262,000 | 2,300,000 | 3,995,000 | 2,409,000 |
| Equity capital | 2,006,000 | 1,995,000 | 1,992,000 | 2,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 214,000 | 467,000 | 736,000 | 1,032,000 |
| Interest expense | 70,000 | 152,000 | 239,000 | 326,000 |
| Net interest income | 144,000 | 315,000 | 497,000 | 706,000 |
| Noninterest income | 22,000 | 59,000 | 94,000 | 133,000 |
| Noninterest expense | 195,000 | 393,000 | 591,000 | 794,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | -51,000 | -64,000 | -68,000 | -45,000 |
| Income tax | -17,000 | -19,000 | -20,000 | -12,000 |
| Net income | -34,000 | -45,000 | -48,000 | -33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,006,000 | 1,995,000 | 1,992,000 | 2,007,000 |
| Total capital | 2,128,000 | 2,140,000 | 2,147,000 | 2,175,000 |
| Risk-weighted assets | 11,398,000 | 12,852,000 | 12,352,000 | 13,375,000 |