Call reports 2010
MOUNTAIN HERITAGE BANK — 2010
What MOUNTAIN HERITAGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 118,881,000 | 114,421,000 | 115,858,000 | 108,146,000 |
| Total loans | 79,637,000 | 73,285,000 | 64,412,000 | 60,526,000 |
| Allowance for loan losses | 2,588,000 | 2,501,000 | 1,670,000 | 1,637,000 |
| Securities available for sale | 19,678,000 | 19,224,000 | 18,980,000 | 18,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,196,000 | 96,988,000 | 98,751,000 | 92,407,000 |
| Interest-bearing deposits | 98,806,000 | 94,411,000 | 88,951,000 | 83,398,000 |
| Noninterest-bearing deposits | 2,390,000 | 2,577,000 | 9,800,000 | 9,009,000 |
| Equity capital | 4,519,000 | 4,280,000 | 4,001,000 | 2,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,189,000 | 2,401,000 | 3,445,000 | 4,323,000 |
| Interest expense | 738,000 | 1,421,000 | 2,064,000 | 2,640,000 |
| Net interest income | 451,000 | 980,000 | 1,381,000 | 1,683,000 |
| Noninterest income | 76,000 | 149,000 | 949,000 | 752,000 |
| Noninterest expense | 899,000 | 1,830,000 | 3,084,000 | 4,240,000 |
| Provision for loan losses | 0 | 125,000 | 490,000 | 490,000 |
| Pretax income | -352,000 | -785,000 | -1,026,000 | -1,955,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -352,000 | -785,000 | -1,026,000 | -1,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,487,000 | 4,058,000 | 3,820,000 | 2,895,000 |
| Total capital | 5,549,000 | 5,077,000 | 4,804,000 | 3,865,000 |
| Risk-weighted assets | 83,526,000 | 81,051,000 | 78,108,000 | 76,931,000 |