Call reports 2009
MOUNTAIN HERITAGE BANK — 2009
What MOUNTAIN HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 136,753,000 | 128,995,000 | 122,384,000 | 118,627,000 |
| Total loans | 93,344,000 | 91,335,000 | 89,093,000 | 83,372,000 |
| Allowance for loan losses | 1,916,000 | 2,106,000 | 2,762,000 | 2,605,000 |
| Securities available for sale | 20,352,000 | 20,014,000 | 19,767,000 | 18,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,282,000 | 106,889,000 | 100,618,000 | 100,653,000 |
| Interest-bearing deposits | 111,915,000 | 104,936,000 | 99,212,000 | 98,291,000 |
| Noninterest-bearing deposits | 2,367,000 | 1,954,000 | 1,406,000 | 2,362,000 |
| Equity capital | 9,213,000 | 8,784,000 | 8,529,000 | 4,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,652,000 | 3,257,000 | 4,683,000 | 6,039,000 |
| Interest expense | 1,042,000 | 1,991,000 | 2,860,000 | 3,660,000 |
| Net interest income | 610,000 | 1,266,000 | 1,823,000 | 2,379,000 |
| Noninterest income | 72,000 | 145,000 | 213,000 | 291,000 |
| Noninterest expense | 770,000 | 1,634,000 | 2,335,000 | 3,746,000 |
| Provision for loan losses | 52,000 | 522,000 | 1,286,000 | 2,732,000 |
| Pretax income | -43,000 | -631,000 | -1,402,000 | -3,499,000 |
| Income tax | 0 | -235,000 | -557,000 | 842,000 |
| Net income | -43,000 | -396,000 | -845,000 | -4,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,990,000 | 8,353,000 | 7,750,000 | 4,835,000 |
| Total capital | 10,189,000 | 9,527,000 | 8,904,000 | 5,922,000 |
| Risk-weighted assets | 97,137,000 | 93,012,000 | 90,689,000 | 85,437,000 |