Call reports 2003
MOUNTAIN COMMERCE BANK — 2003
What MOUNTAIN COMMERCE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 93,804,000 | 92,793,000 | 93,484,000 | 95,093,000 |
| Total loans | 38,499,000 | 38,326,000 | 38,425,000 | 37,375,000 |
| Allowance for loan losses | 380,000 | 380,000 | 380,000 | 380,000 |
| Securities available for sale | 45,204,000 | 47,019,000 | 45,990,000 | 47,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,691,000 | 75,673,000 | 77,284,000 | 78,891,000 |
| Interest-bearing deposits | 66,477,000 | 65,422,000 | 65,574,000 | 67,688,000 |
| Noninterest-bearing deposits | 10,214,000 | 10,251,000 | 11,710,000 | 11,203,000 |
| Equity capital | 8,170,000 | 8,265,000 | 7,371,000 | 7,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,154,000 | 2,239,000 | 3,291,000 | 4,388,000 |
| Interest expense | 461,000 | 913,000 | 1,343,000 | 1,750,000 |
| Net interest income | 693,000 | 1,326,000 | 1,948,000 | 2,638,000 |
| Noninterest income | 66,000 | 132,000 | 193,000 | 275,000 |
| Noninterest expense | 537,000 | 1,100,000 | 1,615,000 | 2,206,000 |
| Provision for loan losses | 44,000 | 75,000 | 149,000 | 199,000 |
| Pretax income | 189,000 | 430,000 | 599,000 | 727,000 |
| Income tax | 11,000 | 26,000 | 38,000 | 42,000 |
| Net income | 178,000 | 404,000 | 561,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,617,000 | 7,771,000 | 7,920,000 | 7,882,000 |
| Total capital | 7,997,000 | 8,151,000 | 8,300,000 | 8,262,000 |
| Risk-weighted assets | 42,909,000 | 42,522,000 | 43,800,000 | 43,517,000 |
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