Call reports 2003
HEBER VALLEY NATIONAL BANK — 2003
What HEBER VALLEY NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 19,951,000 | 22,090,000 | 22,448,000 | 23,325,000 |
| Total loans | 15,536,000 | 17,100,000 | 17,442,000 | 16,196,000 |
| Allowance for loan losses | 220,000 | 250,000 | 280,000 | 310,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,663,000 | 3,657,000 | 2,651,000 | 5,885,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,719,000 | 19,819,000 | 20,077,000 | 20,233,000 |
| Interest-bearing deposits | 14,606,000 | 16,816,000 | 17,205,000 | 17,554,000 |
| Noninterest-bearing deposits | 3,113,000 | 3,003,000 | 2,872,000 | 2,679,000 |
| Equity capital | 2,034,000 | 2,072,000 | 2,122,000 | 2,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 330,000 | 679,000 | 1,039,000 | 1,397,000 |
| Interest expense | 88,000 | 174,000 | 255,000 | 335,000 |
| Net interest income | 242,000 | 505,000 | 784,000 | 1,062,000 |
| Noninterest income | 45,000 | 90,000 | 154,000 | 181,000 |
| Noninterest expense | 216,000 | 437,000 | 673,000 | 891,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 41,000 | 98,000 | 175,000 | 232,000 |
| Income tax | 14,000 | 33,000 | 60,000 | 79,000 |
| Net income | 27,000 | 65,000 | 115,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,034,000 | 2,072,000 | 2,122,000 | 2,160,000 |
| Total capital | 2,221,000 | 2,282,000 | 2,338,000 | 2,375,000 |
| Risk-weighted assets | 14,971,000 | 16,776,000 | 17,212,000 | 17,058,000 |