Call reports 2006
MOUNTAIN COMMERCE BANK — 2006
What MOUNTAIN COMMERCE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 88,877,000 | 83,990,000 | 105,165,000 | 117,420,000 |
| Total loans | 38,722,000 | 38,627,000 | 37,786,000 | 46,983,000 |
| Allowance for loan losses | 380,000 | 380,000 | 453,000 | 873,000 |
| Securities available for sale | 38,929,000 | 36,944,000 | 28,703,000 | 26,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,239,000 | 73,482,000 | 75,677,000 | 83,794,000 |
| Interest-bearing deposits | 66,687,000 | 62,355,000 | 64,348,000 | 70,715,000 |
| Noninterest-bearing deposits | 11,552,000 | 11,127,000 | 11,329,000 | 13,079,000 |
| Equity capital | 7,274,000 | 7,138,000 | 25,710,000 | 30,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,097,000 | 2,207,000 | 540,000 | 2,377,000 |
| Interest expense | 453,000 | 956,000 | 203,000 | 866,000 |
| Net interest income | 644,000 | 1,251,000 | 337,000 | 1,511,000 |
| Noninterest income | 63,000 | 125,000 | 19,000 | 59,000 |
| Noninterest expense | 609,000 | 1,179,000 | 368,000 | 1,542,000 |
| Provision for loan losses | 28,000 | 100,000 | 100,000 | 200,000 |
| Pretax income | 70,000 | 94,000 | -112,000 | -172,000 |
| Income tax | -2,000 | 1,000 | -45,000 | -72,000 |
| Net income | 72,000 | 93,000 | -67,000 | -100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,623,000 | 8,644,000 | 21,078,000 | 25,198,000 |
| Total capital | 9,003,000 | 9,024,000 | 21,531,000 | 25,970,000 |
| Risk-weighted assets | 42,901,000 | 42,137,000 | 50,589,000 | 61,636,000 |
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