Call reports 2005
MOUNTAIN HERITAGE BANK — 2005
What MOUNTAIN HERITAGE 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 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 63,522,000 | 66,702,000 | 70,487,000 | 73,918,000 |
| Total loans | 46,664,000 | 51,350,000 | 55,589,000 | 55,517,000 |
| Allowance for loan losses | 592,000 | 627,000 | 645,000 | 661,000 |
| Securities available for sale | 7,311,000 | 7,366,000 | 7,299,000 | 8,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,203,000 | 53,353,000 | 57,067,000 | 60,423,000 |
| Interest-bearing deposits | 49,746,000 | 51,428,000 | 55,425,000 | 58,876,000 |
| Noninterest-bearing deposits | 1,457,000 | 1,925,000 | 1,642,000 | 1,548,000 |
| Equity capital | 8,213,000 | 8,267,000 | 8,333,000 | 8,395,000 |
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 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 759,000 | 1,677,000 | 2,699,000 | 3,873,000 |
| Interest expense | 297,000 | 701,000 | 1,154,000 | 1,717,000 |
| Net interest income | 462,000 | 976,000 | 1,545,000 | 2,156,000 |
| Noninterest income | 46,000 | 89,000 | 155,000 | 217,000 |
| Noninterest expense | 422,000 | 929,000 | 1,434,000 | 1,980,000 |
| Provision for loan losses | 206,000 | 253,000 | 289,000 | 343,000 |
| Pretax income | -120,000 | -117,000 | -23,000 | 50,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -120,000 | -117,000 | -23,000 | 50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,339,000 | 8,342,000 | 8,436,000 | 8,509,000 |
| Total capital | 8,905,000 | 8,969,000 | 9,081,000 | 9,170,000 |
| Risk-weighted assets | 45,231,000 | 49,721,000 | 51,787,000 | 54,132,000 |