Call reports 2025
BANK OF THE MOUNTAINS, INC. — 2025
What BANK OF THE MOUNTAINS, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 95,144,000 | 97,799,000 | 97,635,000 | 97,267,000 |
| Total loans | 64,876,000 | 66,064,000 | 67,496,000 | 68,793,000 |
| Allowance for loan losses | 915,000 | 913,000 | 901,000 | 977,000 |
| Securities available for sale | 11,750,000 | 11,660,000 | 11,118,000 | 10,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,870,000 | 86,284,000 | 86,129,000 | 85,787,000 |
| Interest-bearing deposits | 55,824,000 | 50,675,000 | 56,353,000 | 57,507,000 |
| Noninterest-bearing deposits | 28,046,000 | 35,609,000 | 29,776,000 | 28,280,000 |
| Equity capital | 9,217,000 | 9,352,000 | 9,318,000 | 9,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,309,000 | 2,702,000 | 4,093,000 | 5,504,000 |
| Interest expense | 245,000 | 508,000 | 773,000 | 1,054,000 |
| Net interest income | 1,064,000 | 2,194,000 | 3,320,000 | 4,450,000 |
| Noninterest income | 161,000 | 328,000 | 472,000 | 632,000 |
| Noninterest expense | 883,000 | 1,874,000 | 2,812,000 | 3,815,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 342,000 | 648,000 | 980,000 | 1,167,000 |
| Income tax | 88,000 | 160,000 | 246,000 | 286,000 |
| Net income | 254,000 | 488,000 | 734,000 | 881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,217,000 | 9,384,000 | 9,325,000 | 9,332,000 |
| Total capital | 10,018,000 | 10,209,000 | 10,164,000 | 10,195,000 |
| Risk-weighted assets | 64,003,000 | 65,942,000 | 67,067,000 | 68,943,000 |