Call reports 2005
ANCHOR BANK HERITAGE NATIONAL ASSOCIATION — 2005
What ANCHOR BANK HERITAGE NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 238,206,000 | 245,307,000 | 250,254,000 | 245,180,000 |
| Total loans | 184,445,000 | 197,316,000 | 198,544,000 | 197,249,000 |
| Allowance for loan losses | 2,597,000 | 2,717,000 | 2,885,000 | 2,851,000 |
| Securities available for sale | 32,743,000 | 31,877,000 | 27,809,000 | 26,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,738,000 | 205,543,000 | 216,146,000 | 197,037,000 |
| Interest-bearing deposits | 154,004,000 | 158,512,000 | 167,220,000 | 148,462,000 |
| Noninterest-bearing deposits | 46,734,000 | 47,031,000 | 48,926,000 | 48,575,000 |
| Equity capital | 19,732,000 | 20,499,000 | 20,820,000 | 21,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,275,000 | 6,828,000 | 10,693,000 | 14,570,000 |
| Interest expense | 858,000 | 1,887,000 | 3,067,000 | 4,262,000 |
| Net interest income | 2,417,000 | 4,941,000 | 7,626,000 | 10,308,000 |
| Noninterest income | 473,000 | 1,087,000 | 1,697,000 | 2,319,000 |
| Noninterest expense | 1,881,000 | 3,857,000 | 5,900,000 | 8,093,000 |
| Provision for loan losses | 180,000 | 360,000 | 520,000 | 640,000 |
| Pretax income | 829,000 | 1,811,000 | 2,899,000 | 3,890,000 |
| Income tax | 282,000 | 630,000 | 1,026,000 | 1,364,000 |
| Net income | 547,000 | 1,181,000 | 1,873,000 | 2,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,716,000 | 20,351,000 | 20,792,000 | 21,195,000 |
| Total capital | 22,148,000 | 23,052,000 | 23,531,000 | 23,907,000 |
| Risk-weighted assets | 194,363,000 | 216,102,000 | 219,000,000 | 216,810,000 |