Call reports 2007
MOUNTAIN HERITAGE BANK — 2007
What MOUNTAIN HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 98,069,000 | 103,254,000 | 113,909,000 | 115,604,000 |
| Total loans | 75,956,000 | 78,621,000 | 87,844,000 | 89,615,000 |
| Allowance for loan losses | 927,000 | 969,000 | 993,000 | 1,044,000 |
| Securities available for sale | 11,565,000 | 14,286,000 | 13,789,000 | 12,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,204,000 | 80,312,000 | 90,249,000 | 91,898,000 |
| Interest-bearing deposits | 72,634,000 | 76,215,000 | 87,228,000 | 88,393,000 |
| Noninterest-bearing deposits | 2,570,000 | 4,097,000 | 3,021,000 | 3,505,000 |
| Equity capital | 9,675,000 | 9,702,000 | 10,036,000 | 10,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,861,000 | 3,814,000 | 5,883,000 | 8,011,000 |
| Interest expense | 1,004,000 | 2,075,000 | 3,221,000 | 4,465,000 |
| Net interest income | 857,000 | 1,739,000 | 2,662,000 | 3,546,000 |
| Noninterest income | 85,000 | 180,000 | 239,000 | 347,000 |
| Noninterest expense | 613,000 | 1,277,000 | 1,924,000 | 2,648,000 |
| Provision for loan losses | 14,000 | 63,000 | 90,000 | 310,000 |
| Pretax income | 315,000 | 579,000 | 887,000 | 918,000 |
| Income tax | 118,000 | 219,000 | 335,000 | 345,000 |
| Net income | 197,000 | 360,000 | 552,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,714,000 | 9,893,000 | 10,088,000 | 10,113,000 |
| Total capital | 10,641,000 | 10,862,000 | 11,081,000 | 11,157,000 |
| Risk-weighted assets | 79,731,000 | 84,034,000 | 93,677,000 | 95,185,000 |