Call reports 2008
ANCHOR BANK HERITAGE NATIONAL ASSOCIATION — 2008
What ANCHOR BANK HERITAGE NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 249,450,000 | 254,619,000 | 244,201,000 | 245,690,000 |
| Total loans | 206,408,000 | 211,574,000 | 201,508,000 | 194,572,000 |
| Allowance for loan losses | 2,745,000 | 2,879,000 | 3,419,000 | 3,861,000 |
| Securities available for sale | 22,877,000 | 20,636,000 | 23,466,000 | 27,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,865,000 | 204,413,000 | 200,327,000 | 194,969,000 |
| Interest-bearing deposits | 162,667,000 | 167,389,000 | 166,840,000 | 158,468,000 |
| Noninterest-bearing deposits | 37,198,000 | 37,024,000 | 33,487,000 | 36,501,000 |
| Equity capital | 22,263,000 | 21,968,000 | 21,444,000 | 20,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,700,000 | 7,255,000 | 10,716,000 | 13,845,000 |
| Interest expense | 1,310,000 | 2,442,000 | 3,602,000 | 4,647,000 |
| Net interest income | 2,390,000 | 4,813,000 | 7,114,000 | 9,198,000 |
| Noninterest income | 637,000 | 1,177,000 | 1,951,000 | 2,328,000 |
| Noninterest expense | 2,295,000 | 4,360,000 | 6,540,000 | 8,562,000 |
| Provision for loan losses | 220,000 | 546,000 | 1,412,000 | 2,855,000 |
| Pretax income | 512,000 | 1,084,000 | 1,113,000 | 109,000 |
| Income tax | 133,000 | 295,000 | 238,000 | -237,000 |
| Net income | 379,000 | 789,000 | 875,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,753,000 | 21,763,000 | 21,449,000 | 20,671,000 |
| Total capital | 24,498,000 | 24,550,000 | 24,105,000 | 23,279,000 |
| Risk-weighted assets | 220,176,000 | 222,838,000 | 211,647,000 | 207,361,000 |