Call reports 2007
ANCHOR BANK HERITAGE NATIONAL ASSOCIATION — 2007
What ANCHOR BANK HERITAGE NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 255,806,000 | 242,369,000 | 238,420,000 | 247,119,000 |
| Total loans | 183,158,000 | 191,315,000 | 190,707,000 | 198,128,000 |
| Allowance for loan losses | 3,001,000 | 2,680,000 | 2,597,000 | 3,159,000 |
| Securities available for sale | 22,383,000 | 25,486,000 | 25,286,000 | 23,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,640,000 | 206,690,000 | 204,669,000 | 197,003,000 |
| Interest-bearing deposits | 169,164,000 | 161,917,000 | 166,900,000 | 161,189,000 |
| Noninterest-bearing deposits | 47,476,000 | 44,773,000 | 37,769,000 | 35,814,000 |
| Equity capital | 22,283,000 | 21,576,000 | 21,899,000 | 22,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,123,000 | 8,209,000 | 12,351,000 | 16,333,000 |
| Interest expense | 1,510,000 | 3,122,000 | 4,720,000 | 6,224,000 |
| Net interest income | 2,613,000 | 5,087,000 | 7,631,000 | 10,109,000 |
| Noninterest income | 505,000 | 1,084,000 | 1,558,000 | 1,838,000 |
| Noninterest expense | 2,116,000 | 4,424,000 | 6,675,000 | 8,853,000 |
| Provision for loan losses | 65,000 | 129,000 | 194,000 | 1,033,000 |
| Pretax income | 937,000 | 1,618,000 | 2,320,000 | 2,059,000 |
| Income tax | 313,000 | 524,000 | 744,000 | 574,000 |
| Net income | 624,000 | 1,094,000 | 1,576,000 | 1,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,311,000 | 21,781,000 | 21,864,000 | 21,774,000 |
| Total capital | 24,884,000 | 24,362,000 | 24,461,000 | 24,441,000 |
| Risk-weighted assets | 205,418,000 | 206,512,000 | 210,217,000 | 212,839,000 |