Call reports 2004
HEBER VALLEY NATIONAL BANK — 2004
What HEBER VALLEY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,470,000 | 25,034,000 | 26,007,000 | 28,954,000 |
| Total loans | 17,447,000 | 16,868,000 | 16,869,000 | 19,689,000 |
| Allowance for loan losses | 325,000 | 339,000 | 347,000 | 353,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,864,000 | 6,584,000 | 7,650,000 | 8,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,049,000 | 22,062,000 | 23,321,000 | 22,866,000 |
| Interest-bearing deposits | 18,561,000 | 18,609,000 | 19,724,000 | 18,993,000 |
| Noninterest-bearing deposits | 3,488,000 | 3,453,000 | 3,597,000 | 3,873,000 |
| Equity capital | 2,223,000 | 2,265,000 | 2,307,000 | 2,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 379,000 | 735,000 | 1,108,000 | 1,521,000 |
| Interest expense | 79,000 | 159,000 | 245,000 | 338,000 |
| Net interest income | 300,000 | 576,000 | 863,000 | 1,183,000 |
| Noninterest income | 42,000 | 80,000 | 104,000 | 130,000 |
| Noninterest expense | 233,000 | 468,000 | 703,000 | 935,000 |
| Provision for loan losses | 15,000 | 30,000 | 43,000 | 50,000 |
| Pretax income | 94,000 | 158,000 | 221,000 | 328,000 |
| Income tax | 31,000 | 53,000 | 74,000 | 110,000 |
| Net income | 63,000 | 105,000 | 147,000 | 218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,223,000 | 2,265,000 | 2,307,000 | 2,378,000 |
| Total capital | 2,450,000 | 2,498,000 | 2,548,000 | 2,671,000 |
| Risk-weighted assets | 18,072,000 | 18,258,000 | 19,125,000 | 23,309,000 |