Call reports 2007
MOUNTAIN COMMERCE BANK — 2007
What MOUNTAIN COMMERCE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 145,409,000 | 194,307,000 | 275,230,000 | 276,767,000 |
| Total loans | 84,072,000 | 132,607,000 | 163,321,000 | 197,044,000 |
| Allowance for loan losses | 845,000 | 1,326,000 | 1,633,000 | 2,254,000 |
| Securities available for sale | 25,096,000 | 24,516,000 | 28,326,000 | 29,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,343,000 | 157,597,000 | 237,601,000 | 238,265,000 |
| Interest-bearing deposits | 106,533,000 | 151,254,000 | 226,250,000 | 224,201,000 |
| Noninterest-bearing deposits | 1,810,000 | 6,343,000 | 11,351,000 | 14,064,000 |
| Equity capital | 33,709,000 | 32,606,000 | 33,209,000 | 33,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,077,000 | 5,233,000 | 9,132,000 | 13,647,000 |
| Interest expense | 796,000 | 2,372,000 | 4,685,000 | 7,376,000 |
| Net interest income | 1,281,000 | 2,861,000 | 4,447,000 | 6,271,000 |
| Noninterest income | 61,000 | 325,000 | 406,000 | 343,000 |
| Noninterest expense | 1,631,000 | 4,153,000 | 7,120,000 | 10,815,000 |
| Provision for loan losses | 130,000 | 645,000 | 1,064,000 | 1,627,000 |
| Pretax income | -419,000 | -1,612,000 | -3,328,000 | -5,825,000 |
| Income tax | -131,000 | -492,000 | -984,000 | -2,219,000 |
| Net income | -288,000 | -1,120,000 | -2,344,000 | -3,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,949,000 | 28,112,000 | 28,526,000 | 27,767,000 |
| Total capital | 29,794,000 | 29,438,000 | 30,159,000 | 30,021,000 |
| Risk-weighted assets | 97,445,000 | 159,645,000 | 206,114,000 | 240,643,000 |
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