Call reports 2005
MOUNTAIN COMMERCE BANK — 2005
What MOUNTAIN COMMERCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 95,520,000 | 90,702,000 | 91,578,000 | 86,728,000 |
| Total loans | 36,911,000 | 37,975,000 | 39,570,000 | 39,148,000 |
| Allowance for loan losses | 380,000 | 380,000 | 380,000 | 380,000 |
| Securities available for sale | 48,665,000 | 43,882,000 | 38,930,000 | 36,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,760,000 | 74,407,000 | 75,468,000 | 75,889,000 |
| Interest-bearing deposits | 68,577,000 | 63,947,000 | 64,381,000 | 64,294,000 |
| Noninterest-bearing deposits | 11,183,000 | 10,460,000 | 11,087,000 | 11,595,000 |
| Equity capital | 7,216,000 | 7,778,000 | 7,561,000 | 7,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,115,000 | 2,215,000 | 3,287,000 | 4,420,000 |
| Interest expense | 412,000 | 841,000 | 1,291,000 | 1,758,000 |
| Net interest income | 703,000 | 1,374,000 | 1,996,000 | 2,662,000 |
| Noninterest income | 56,000 | 118,000 | 200,000 | 265,000 |
| Noninterest expense | 609,000 | 1,188,000 | 1,785,000 | 2,375,000 |
| Provision for loan losses | 102,000 | 133,000 | 190,000 | 242,000 |
| Pretax income | 157,000 | 290,000 | 339,000 | 428,000 |
| Income tax | 6,000 | 17,000 | 17,000 | 22,000 |
| Net income | 151,000 | 273,000 | 322,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,438,000 | 8,487,000 | 8,512,000 | 8,567,000 |
| Total capital | 8,818,000 | 8,867,000 | 8,892,000 | 8,947,000 |
| Risk-weighted assets | 43,309,000 | 43,075,000 | 44,636,000 | 43,459,000 |
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