Call reports 2003
ANCHOR BANK HERITAGE NATIONAL ASSOCIATION — 2003
What ANCHOR BANK HERITAGE NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 239,446,000 | 237,544,000 | 243,741,000 | 245,824,000 |
| Total loans | 157,555,000 | 161,286,000 | 165,869,000 | 173,252,000 |
| Allowance for loan losses | 2,010,000 | 1,795,000 | 1,777,000 | 2,025,000 |
| Securities available for sale | 33,560,000 | 46,514,000 | 43,256,000 | 43,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,463,000 | 208,101,000 | 212,289,000 | 219,289,000 |
| Interest-bearing deposits | 170,774,000 | 170,141,000 | 171,346,000 | 175,266,000 |
| Noninterest-bearing deposits | 36,688,000 | 37,960,000 | 40,943,000 | 44,023,000 |
| Equity capital | 17,409,000 | 17,715,000 | 17,857,000 | 18,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,959,000 | 5,951,000 | 8,936,000 | 11,899,000 |
| Interest expense | 1,172,000 | 2,311,000 | 3,391,000 | 4,357,000 |
| Net interest income | 1,787,000 | 3,640,000 | 5,545,000 | 7,542,000 |
| Noninterest income | 528,000 | 1,262,000 | 2,005,000 | 2,521,000 |
| Noninterest expense | 1,638,000 | 3,300,000 | 4,988,000 | 6,709,000 |
| Provision for loan losses | 150,000 | 300,000 | 485,000 | 735,000 |
| Pretax income | 550,000 | 1,407,000 | 2,379,000 | 2,923,000 |
| Income tax | 190,000 | 502,000 | 856,000 | 1,005,000 |
| Net income | 360,000 | 905,000 | 1,523,000 | 1,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,917,000 | 16,962,000 | 17,583,000 | 17,975,000 |
| Total capital | 18,927,000 | 18,757,000 | 19,360,000 | 20,000,000 |
| Risk-weighted assets | 170,991,000 | 177,558,000 | 183,286,000 | 197,120,000 |