Call reports 2004
ANCHOR BANK HERITAGE NATIONAL ASSOCIATION — 2004
What ANCHOR BANK HERITAGE NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 238,804,000 | 230,722,000 | 232,368,000 | 229,481,000 |
| Total loans | 174,512,000 | 174,670,000 | 176,560,000 | 177,415,000 |
| Allowance for loan losses | 2,166,000 | 2,086,000 | 2,266,000 | 2,411,000 |
| Securities available for sale | 43,090,000 | 36,566,000 | 33,833,000 | 32,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,458,000 | 194,469,000 | 195,455,000 | 194,056,000 |
| Interest-bearing deposits | 163,933,000 | 151,535,000 | 150,151,000 | 149,492,000 |
| Noninterest-bearing deposits | 40,525,000 | 42,934,000 | 45,304,000 | 44,564,000 |
| Equity capital | 18,991,000 | 18,886,000 | 19,326,000 | 19,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,982,000 | 5,848,000 | 8,849,000 | 11,985,000 |
| Interest expense | 923,000 | 1,775,000 | 2,533,000 | 3,304,000 |
| Net interest income | 2,059,000 | 4,073,000 | 6,316,000 | 8,681,000 |
| Noninterest income | 647,000 | 1,272,000 | 1,694,000 | 2,254,000 |
| Noninterest expense | 1,962,000 | 3,745,000 | 5,655,000 | 7,418,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 564,000 | 1,334,000 | 1,921,000 | 2,903,000 |
| Income tax | 168,000 | 427,000 | 612,000 | 959,000 |
| Net income | 396,000 | 907,000 | 1,309,000 | 1,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,371,000 | 18,882,000 | 19,034,000 | 19,670,000 |
| Total capital | 20,537,000 | 20,968,000 | 21,300,000 | 22,023,000 |
| Risk-weighted assets | 192,058,000 | 189,501,000 | 188,038,000 | 188,186,000 |