Call reports 2019
BANK OF THE MOUNTAINS, INC. — 2019
What BANK OF THE MOUNTAINS, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 72,674,000 | 72,960,000 | 72,286,000 | 71,705,000 |
| Total loans | 52,978,000 | 54,126,000 | 54,100,000 | 55,509,000 |
| Allowance for loan losses | 686,000 | 685,000 | 610,000 | 733,000 |
| Securities available for sale | 4,912,000 | 4,703,000 | 4,711,000 | 4,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,921,000 | 63,914,000 | 63,153,000 | 62,648,000 |
| Interest-bearing deposits | 43,672,000 | 43,495,000 | 43,262,000 | 43,765,000 |
| Noninterest-bearing deposits | 20,249,000 | 20,419,000 | 19,891,000 | 18,883,000 |
| Equity capital | 7,669,000 | 7,805,000 | 7,799,000 | 7,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 952,000 | 1,940,000 | 2,939,000 | 3,935,000 |
| Interest expense | 89,000 | 182,000 | 280,000 | 384,000 |
| Net interest income | 863,000 | 1,758,000 | 2,659,000 | 3,551,000 |
| Noninterest income | 172,000 | 279,000 | 421,000 | 587,000 |
| Noninterest expense | 842,000 | 1,578,000 | 2,477,000 | 3,255,000 |
| Provision for loan losses | 15,000 | 85,000 | 108,000 | 231,000 |
| Pretax income | 178,000 | 374,000 | 495,000 | 652,000 |
| Income tax | 36,000 | 79,000 | 102,000 | 137,000 |
| Net income | 142,000 | 295,000 | 393,000 | 515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,614,000 | 7,827,000 | 7,815,000 | 7,854,000 |
| Total capital | 8,274,000 | 8,493,000 | 8,425,000 | 8,533,000 |
| Risk-weighted assets | 52,750,000 | 53,269,000 | 54,053,000 | 54,235,000 |