Call reports 2009
MOUNTAIN COMMERCE BANK — 2009
What MOUNTAIN COMMERCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 354,388,000 | 335,887,000 | 320,158,000 | 319,169,000 |
| Total loans | 268,086,000 | 259,978,000 | 255,018,000 | 253,908,000 |
| Allowance for loan losses | 3,872,000 | 4,304,000 | 4,423,000 | 4,967,000 |
| Securities available for sale | 28,535,000 | 30,323,000 | 32,070,000 | 34,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,457,000 | 291,642,000 | 275,724,000 | 275,330,000 |
| Interest-bearing deposits | 280,783,000 | 267,017,000 | 250,839,000 | 253,478,000 |
| Noninterest-bearing deposits | 29,674,000 | 24,625,000 | 24,885,000 | 21,852,000 |
| Equity capital | 30,364,000 | 30,526,000 | 30,970,000 | 30,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,831,000 | 9,555,000 | 14,167,000 | 18,828,000 |
| Interest expense | 2,074,000 | 3,973,000 | 5,623,000 | 6,973,000 |
| Net interest income | 2,757,000 | 5,582,000 | 8,544,000 | 11,855,000 |
| Noninterest income | 191,000 | 447,000 | 680,000 | 794,000 |
| Noninterest expense | 2,641,000 | 5,431,000 | 8,236,000 | 10,904,000 |
| Provision for loan losses | -2,000 | 391,000 | 659,000 | 1,258,000 |
| Pretax income | 397,000 | 567,000 | 689,000 | 943,000 |
| Income tax | 142,000 | 191,000 | 223,000 | 358,000 |
| Net income | 255,000 | 376,000 | 466,000 | 585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,669,000 | 28,024,000 | 28,543,000 | 29,401,000 |
| Total capital | 31,237,000 | 31,402,000 | 31,890,000 | 32,745,000 |
| Risk-weighted assets | 285,195,000 | 273,294,000 | 266,709,000 | 265,242,000 |
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