Call reports 2002
ANCHOR BANK HERITAGE NATIONAL ASSOCIATION — 2002
What ANCHOR BANK HERITAGE NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 189,756,000 | 191,931,000 | 196,864,000 | 226,246,000 |
| Total loans | 126,157,000 | 140,939,000 | 152,527,000 | 152,225,000 |
| Allowance for loan losses | 1,662,000 | 1,725,000 | 1,793,000 | 1,858,000 |
| Securities available for sale | 31,779,000 | 36,836,000 | 32,389,000 | 23,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,914,000 | 160,505,000 | 161,158,000 | 200,369,000 |
| Interest-bearing deposits | 129,802,000 | 132,777,000 | 131,379,000 | 167,260,000 |
| Noninterest-bearing deposits | 30,112,000 | 27,728,000 | 29,779,000 | 33,109,000 |
| Equity capital | 14,952,000 | 15,367,000 | 16,340,000 | 17,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,792,000 | 5,765,000 | 8,828,000 | 11,823,000 |
| Interest expense | 1,062,000 | 2,111,000 | 3,058,000 | 4,013,000 |
| Net interest income | 1,730,000 | 3,654,000 | 5,770,000 | 7,810,000 |
| Noninterest income | 629,000 | 1,497,000 | 2,189,000 | 3,286,000 |
| Noninterest expense | 1,431,000 | 2,812,000 | 4,344,000 | 5,947,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 435,000 |
| Pretax income | 823,000 | 2,129,000 | 3,334,000 | 4,833,000 |
| Income tax | 294,000 | 779,000 | 1,257,000 | 1,817,000 |
| Net income | 529,000 | 1,350,000 | 2,077,000 | 3,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,821,000 | 14,892,000 | 15,618,000 | 16,558,000 |
| Total capital | 16,483,000 | 16,617,000 | 17,411,000 | 18,416,000 |
| Risk-weighted assets | 136,690,000 | 146,372,000 | 153,884,000 | 162,403,000 |