Call reports 2012
MOUNTAIN COMMERCE BANK — 2012
What MOUNTAIN COMMERCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 320,706,000 | 305,714,000 | 309,532,000 | 306,791,000 |
| Total loans | 255,203,000 | 251,733,000 | 253,664,000 | 249,083,000 |
| Allowance for loan losses | 6,669,000 | 6,743,000 | 6,828,000 | 5,289,000 |
| Securities available for sale | 29,528,000 | 30,086,000 | 27,613,000 | 24,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,313,000 | 269,701,000 | 272,484,000 | 269,678,000 |
| Interest-bearing deposits | 246,529,000 | 233,232,000 | 232,514,000 | 231,625,000 |
| Noninterest-bearing deposits | 38,784,000 | 36,469,000 | 39,970,000 | 38,053,000 |
| Equity capital | 25,181,000 | 25,899,000 | 26,521,000 | 26,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,740,000 | 7,484,000 | 11,050,000 | 14,468,000 |
| Interest expense | 820,000 | 1,522,000 | 2,155,000 | 2,655,000 |
| Net interest income | 2,920,000 | 5,962,000 | 8,895,000 | 11,813,000 |
| Noninterest income | 307,000 | 468,000 | 640,000 | 306,000 |
| Noninterest expense | 2,494,000 | 4,965,000 | 7,379,000 | 9,234,000 |
| Provision for loan losses | 33,000 | 186,000 | 339,000 | 835,000 |
| Pretax income | 700,000 | 1,279,000 | 1,817,000 | 2,050,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 700,000 | 1,279,000 | 1,817,000 | 2,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,341,000 | 24,979,000 | 25,562,000 | 25,816,000 |
| Total capital | 27,490,000 | 28,075,000 | 28,641,000 | 28,824,000 |
| Risk-weighted assets | 248,451,000 | 244,069,000 | 242,575,000 | 238,385,000 |