Call reports 2013
MOUNTAIN COMMERCE BANK — 2013
What MOUNTAIN COMMERCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 303,414,000 | 311,522,000 | 339,321,000 | 324,292,000 |
| Total loans | 249,369,000 | 260,749,000 | 265,178,000 | 265,395,000 |
| Allowance for loan losses | 5,496,000 | 5,550,000 | 4,972,000 | 5,166,000 |
| Securities available for sale | 24,949,000 | 25,674,000 | 27,298,000 | 23,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,873,000 | 273,648,000 | 300,441,000 | 280,764,000 |
| Interest-bearing deposits | 229,477,000 | 231,587,000 | 253,756,000 | 238,420,000 |
| Noninterest-bearing deposits | 36,396,000 | 42,061,000 | 46,685,000 | 42,344,000 |
| Equity capital | 27,241,000 | 27,432,000 | 27,928,000 | 32,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,275,000 | 6,611,000 | 10,074,000 | 13,556,000 |
| Interest expense | 442,000 | 846,000 | 1,281,000 | 1,706,000 |
| Net interest income | 2,833,000 | 5,765,000 | 8,793,000 | 11,850,000 |
| Noninterest income | 219,000 | 79,000 | 198,000 | 524,000 |
| Noninterest expense | 2,172,000 | 4,383,000 | 6,803,000 | 9,129,000 |
| Provision for loan losses | 245,000 | 271,000 | 460,000 | 649,000 |
| Pretax income | 635,000 | 1,190,000 | 1,728,000 | 2,373,000 |
| Income tax | 0 | 0 | 0 | -4,173,000 |
| Net income | 635,000 | 1,190,000 | 1,728,000 | 6,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,473,000 | 26,990,000 | 27,550,000 | 29,736,000 |
| Total capital | 29,483,000 | 30,118,000 | 30,740,000 | 32,938,000 |
| Risk-weighted assets | 238,311,000 | 247,897,000 | 253,230,000 | 254,343,000 |