Call reports 2002
MOUNTAIN COMMERCE BANK — 2002
What MOUNTAIN COMMERCE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 87,300,000 | 85,531,000 | 89,656,000 | 90,361,000 |
| Total loans | 38,577,000 | 39,073,000 | 39,151,000 | 38,966,000 |
| Allowance for loan losses | 380,000 | 380,000 | 380,000 | 380,000 |
| Securities available for sale | 41,340,000 | 39,266,000 | 40,838,000 | 41,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,376,000 | 68,740,000 | 72,050,000 | 73,303,000 |
| Interest-bearing deposits | 63,460,000 | 60,498,000 | 62,680,000 | 63,488,000 |
| Noninterest-bearing deposits | 7,916,000 | 8,242,000 | 9,370,000 | 9,815,000 |
| Equity capital | 6,739,000 | 7,798,000 | 8,538,000 | 8,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,336,000 | 2,681,000 | 3,976,000 | 5,222,000 |
| Interest expense | 513,000 | 976,000 | 1,431,000 | 1,894,000 |
| Net interest income | 823,000 | 1,705,000 | 2,545,000 | 3,328,000 |
| Noninterest income | 38,000 | 83,000 | 140,000 | 179,000 |
| Noninterest expense | 498,000 | 1,035,000 | 1,538,000 | 2,101,000 |
| Provision for loan losses | 58,000 | 89,000 | 124,000 | 168,000 |
| Pretax income | 305,000 | 684,000 | 1,060,000 | 1,275,000 |
| Income tax | 14,000 | 38,000 | 65,000 | 87,000 |
| Net income | 291,000 | 646,000 | 995,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,292,000 | 7,555,000 | 7,801,000 | 7,469,000 |
| Total capital | 7,672,000 | 7,935,000 | 8,181,000 | 7,849,000 |
| Risk-weighted assets | 40,089,000 | 39,744,000 | 41,823,000 | 42,356,000 |
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