Call reports 2005
HEBER VALLEY NATIONAL BANK — 2005
What HEBER VALLEY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Total assets | 29,856,000 | 29,835,000 | 35,377,000 |
| Total loans | 20,533,000 | 18,806,000 | 20,231,000 |
| Allowance for loan losses | 361,000 | 368,000 | 376,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 8,416,000 | 7,444,000 | 12,759,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 27,215,000 | 26,997,000 | 30,596,000 |
| Interest-bearing deposits | 22,185,000 | 22,013,000 | 24,115,000 |
| Noninterest-bearing deposits | 5,030,000 | 4,984,000 | 6,481,000 |
| Equity capital | 2,472,000 | 2,541,000 | 2,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Interest income | 462,000 | 944,000 | 1,479,000 |
| Interest expense | 106,000 | 217,000 | 352,000 |
| Net interest income | 356,000 | 727,000 | 1,127,000 |
| Noninterest income | 22,000 | 41,000 | 58,000 |
| Noninterest expense | 228,000 | 506,000 | 868,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 |
| Pretax income | 142,000 | 247,000 | 294,000 |
| Income tax | 48,000 | 84,000 | 104,000 |
| Net income | 94,000 | 163,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 2,472,000 | 2,541,000 | 2,568,000 |
| Total capital | 2,777,000 | 2,827,000 | 2,871,000 |
| Risk-weighted assets | 24,228,000 | 22,702,000 | 24,125,000 |