Call reports 2018
BANK OF THE MOUNTAINS, INC. — 2018
What BANK OF THE MOUNTAINS, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 66,796,000 | 69,074,000 | 69,682,000 | 70,049,000 |
| Total loans | 51,615,000 | 51,965,000 | 52,637,000 | 52,741,000 |
| Allowance for loan losses | 703,000 | 701,000 | 707,000 | 684,000 |
| Securities available for sale | 5,342,000 | 5,335,000 | 4,831,000 | 4,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,219,000 | 60,456,000 | 60,993,000 | 61,364,000 |
| Interest-bearing deposits | 41,060,000 | 42,248,000 | 43,350,000 | 43,703,000 |
| Noninterest-bearing deposits | 17,159,000 | 18,208,000 | 17,643,000 | 17,661,000 |
| Equity capital | 7,352,000 | 7,386,000 | 7,401,000 | 7,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 898,000 | 1,848,000 | 2,814,000 | 3,794,000 |
| Interest expense | 69,000 | 143,000 | 222,000 | 309,000 |
| Net interest income | 829,000 | 1,705,000 | 2,592,000 | 3,485,000 |
| Noninterest income | 145,000 | 285,000 | 452,000 | 725,000 |
| Noninterest expense | 843,000 | 1,645,000 | 2,521,000 | 3,244,000 |
| Provision for loan losses | 27,000 | 50,000 | 87,000 | 375,000 |
| Pretax income | 104,000 | 295,000 | 436,000 | 591,000 |
| Income tax | 33,000 | 59,000 | 88,000 | 121,000 |
| Net income | 71,000 | 236,000 | 348,000 | 470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,240,000 | 7,269,000 | 7,282,000 | 7,470,000 |
| Total capital | 7,869,000 | 7,912,000 | 7,934,000 | 8,131,000 |
| Risk-weighted assets | 50,252,000 | 51,443,000 | 52,079,000 | 52,818,000 |