Call reports 2008
MOUNTAIN COMMERCE BANK — 2008
What MOUNTAIN COMMERCE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 290,629,000 | 340,121,000 | 345,104,000 | 339,777,000 |
| Total loans | 215,257,000 | 238,532,000 | 259,989,000 | 268,216,000 |
| Allowance for loan losses | 2,473,000 | 2,746,000 | 2,990,000 | 4,045,000 |
| Securities available for sale | 27,040,000 | 31,086,000 | 33,367,000 | 33,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,115,000 | 292,048,000 | 297,786,000 | 296,003,000 |
| Interest-bearing deposits | 226,813,000 | 266,867,000 | 269,705,000 | 271,236,000 |
| Noninterest-bearing deposits | 15,302,000 | 25,181,000 | 28,081,000 | 24,767,000 |
| Equity capital | 34,240,000 | 33,904,000 | 33,310,000 | 30,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,343,000 | 8,886,000 | 14,021,000 | 18,961,000 |
| Interest expense | 2,398,000 | 4,585,000 | 6,948,000 | 9,229,000 |
| Net interest income | 1,945,000 | 4,301,000 | 7,073,000 | 9,732,000 |
| Noninterest income | 75,000 | 268,000 | 440,000 | 385,000 |
| Noninterest expense | 3,353,000 | 6,391,000 | 9,452,000 | 15,215,000 |
| Provision for loan losses | 243,000 | 601,000 | 892,000 | 2,094,000 |
| Pretax income | -1,576,000 | -2,423,000 | -2,831,000 | -7,192,000 |
| Income tax | -612,000 | -945,000 | -1,114,000 | -1,390,000 |
| Net income | -964,000 | -1,478,000 | -1,717,000 | -5,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,837,000 | 28,009,000 | 28,237,000 | 27,942,000 |
| Total capital | 30,310,000 | 30,755,000 | 31,227,000 | 31,572,000 |
| Risk-weighted assets | 250,555,000 | 277,984,000 | 294,462,000 | 289,996,000 |
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