Call reports 2006
ANCHOR BANK HERITAGE NATIONAL ASSOCIATION — 2006
What ANCHOR BANK HERITAGE NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 238,107,000 | 233,585,000 | 241,660,000 | 247,978,000 |
| Total loans | 190,255,000 | 191,166,000 | 197,494,000 | 191,592,000 |
| Allowance for loan losses | 2,956,000 | 3,024,000 | 3,057,000 | 2,937,000 |
| Securities available for sale | 25,421,000 | 21,587,000 | 20,502,000 | 19,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,614,000 | 200,229,000 | 205,027,000 | 211,927,000 |
| Interest-bearing deposits | 155,213,000 | 151,459,000 | 157,519,000 | 162,546,000 |
| Noninterest-bearing deposits | 48,400,000 | 48,770,000 | 47,508,000 | 49,381,000 |
| Equity capital | 21,341,000 | 21,619,000 | 21,931,000 | 22,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,840,000 | 7,890,000 | 12,036,000 | 16,290,000 |
| Interest expense | 1,271,000 | 2,599,000 | 4,032,000 | 5,581,000 |
| Net interest income | 2,569,000 | 5,291,000 | 8,004,000 | 10,709,000 |
| Noninterest income | 621,000 | 1,659,000 | 2,221,000 | 2,896,000 |
| Noninterest expense | 2,052,000 | 4,207,000 | 6,257,000 | 8,434,000 |
| Provision for loan losses | 105,000 | 200,000 | 275,000 | 350,000 |
| Pretax income | 1,033,000 | 2,482,000 | 3,632,000 | 4,760,000 |
| Income tax | 345,000 | 863,000 | 1,275,000 | 1,668,000 |
| Net income | 688,000 | 1,619,000 | 2,357,000 | 3,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,483,000 | 21,815,000 | 21,953,000 | 22,087,000 |
| Total capital | 24,149,000 | 24,421,000 | 24,611,000 | 24,707,000 |
| Risk-weighted assets | 212,951,000 | 208,031,000 | 212,250,000 | 209,278,000 |