Call reports 2006
MOUNTAIN HERITAGE BANK — 2006
What MOUNTAIN HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 77,851,000 | 83,638,000 | 88,697,000 | 97,106,000 |
| Total loans | 57,538,000 | 68,347,000 | 70,188,000 | 73,746,000 |
| Allowance for loan losses | 716,000 | 854,000 | 972,000 | 920,000 |
| Securities available for sale | 9,709,000 | 9,643,000 | 10,261,000 | 10,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,129,000 | 69,836,000 | 74,572,000 | 77,411,000 |
| Interest-bearing deposits | 61,846,000 | 66,924,000 | 71,139,000 | 74,105,000 |
| Noninterest-bearing deposits | 2,284,000 | 2,912,000 | 3,434,000 | 3,306,000 |
| Equity capital | 8,605,000 | 8,665,000 | 8,935,000 | 9,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,265,000 | 2,758,000 | 4,431,000 | 6,189,000 |
| Interest expense | 602,000 | 1,333,000 | 2,190,000 | 3,123,000 |
| Net interest income | 663,000 | 1,425,000 | 2,241,000 | 3,066,000 |
| Noninterest income | 62,000 | 150,000 | 240,000 | 311,000 |
| Noninterest expense | 586,000 | 1,197,000 | 1,792,000 | 2,428,000 |
| Provision for loan losses | 50,000 | 196,000 | 339,000 | 457,000 |
| Pretax income | 89,000 | 182,000 | 350,000 | 492,000 |
| Income tax | 0 | 0 | 0 | -364,000 |
| Net income | 89,000 | 182,000 | 350,000 | 856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,748,000 | 8,841,000 | 9,009,000 | 9,516,000 |
| Total capital | 9,464,000 | 9,695,000 | 9,940,000 | 10,436,000 |
| Risk-weighted assets | 56,826,000 | 72,211,000 | 74,390,000 | 79,545,000 |