Call reports 2004
ANCHOR BANK — 2004
What ANCHOR BANK 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 | 463,925,000 | 472,794,000 | 476,848,000 | 478,330,000 |
| Total loans | 299,192,000 | 315,753,000 | 331,163,000 | 348,766,000 |
| Allowance for loan losses | 4,135,000 | 3,791,000 | 3,860,000 | 3,925,000 |
| Securities available for sale | 89,689,000 | 83,038,000 | 77,784,000 | 62,346,000 |
| Securities held to maturity | 29,392,000 | 27,004,000 | 25,913,000 | 24,509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,860,000 | 338,778,000 | 345,094,000 | 340,091,000 |
| Interest-bearing deposits | 319,403,000 | 315,394,000 | 324,012,000 | 319,426,000 |
| Noninterest-bearing deposits | 18,457,000 | 23,384,000 | 21,082,000 | 20,665,000 |
| Equity capital | 49,944,000 | 49,186,000 | 51,374,000 | 52,359,000 |
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 | 7,180,000 | 14,557,000 | 21,942,000 | 29,257,000 |
| Interest expense | 2,836,000 | 5,659,000 | 8,566,000 | 11,512,000 |
| Net interest income | 4,344,000 | 8,898,000 | 13,376,000 | 17,745,000 |
| Noninterest income | 583,000 | 1,107,000 | 1,992,000 | 3,478,000 |
| Noninterest expense | 3,416,000 | 6,854,000 | 10,454,000 | 14,043,000 |
| Provision for loan losses | 60,000 | 120,000 | 226,000 | 332,000 |
| Pretax income | 1,845,000 | 3,425,000 | 5,086,000 | 7,379,000 |
| Income tax | 572,000 | 954,000 | 1,469,000 | 2,180,000 |
| Net income | 1,273,000 | 2,471,000 | 3,617,000 | 5,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,903,000 | 49,025,000 | 50,175,000 | 51,779,000 |
| Total capital | 51,955,000 | 52,816,000 | 54,035,000 | 55,704,000 |
| Risk-weighted assets | 324,048,000 | 338,878,000 | 351,305,000 | 363,622,000 |