Call reports 2004
MOUNTAIN COMMERCE BANK — 2004
What MOUNTAIN COMMERCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 97,698,000 | 94,467,000 | 95,036,000 | 96,498,000 |
| Total loans | 37,810,000 | 37,197,000 | 37,270,000 | 36,887,000 |
| Allowance for loan losses | 380,000 | 380,000 | 380,000 | 380,000 |
| Securities available for sale | 49,919,000 | 49,618,000 | 46,704,000 | 47,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,820,000 | 77,802,000 | 78,365,000 | 80,119,000 |
| Interest-bearing deposits | 70,480,000 | 67,325,000 | 66,195,000 | 68,366,000 |
| Noninterest-bearing deposits | 10,340,000 | 10,477,000 | 12,170,000 | 11,753,000 |
| Equity capital | 8,193,000 | 6,944,000 | 8,002,000 | 7,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,110,000 | 2,209,000 | 3,327,000 | 4,428,000 |
| Interest expense | 403,000 | 797,000 | 1,186,000 | 1,580,000 |
| Net interest income | 707,000 | 1,412,000 | 2,141,000 | 2,848,000 |
| Noninterest income | 65,000 | 136,000 | 198,000 | 262,000 |
| Noninterest expense | 544,000 | 1,142,000 | 1,722,000 | 2,292,000 |
| Provision for loan losses | 36,000 | 77,000 | 109,000 | 141,000 |
| Pretax income | 187,000 | 324,000 | 508,000 | 763,000 |
| Income tax | 8,000 | 19,000 | 30,000 | 46,000 |
| Net income | 179,000 | 305,000 | 478,000 | 717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,035,000 | 8,106,000 | 8,263,000 | 8,316,000 |
| Total capital | 8,415,000 | 8,486,000 | 8,643,000 | 8,696,000 |
| Risk-weighted assets | 44,422,000 | 43,783,000 | 44,720,000 | 43,520,000 |
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