Call reports 2015
MOUNTAIN COMMERCE BANK — 2015
What MOUNTAIN COMMERCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 428,680,000 | 442,466,000 | 489,625,000 | 495,383,000 |
| Total loans | 340,756,000 | 361,356,000 | 395,210,000 | 415,782,000 |
| Allowance for loan losses | 4,783,000 | 5,102,000 | 5,011,000 | 5,186,000 |
| Securities available for sale | 41,836,000 | 39,006,000 | 36,471,000 | 33,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,031,000 | 390,208,000 | 435,248,000 | 433,267,000 |
| Interest-bearing deposits | 325,124,000 | 334,721,000 | 373,031,000 | 369,725,000 |
| Noninterest-bearing deposits | 51,907,000 | 55,487,000 | 62,217,000 | 63,542,000 |
| Equity capital | 40,290,000 | 40,864,000 | 42,521,000 | 44,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,621,000 | 9,168,000 | 14,028,000 | 19,162,000 |
| Interest expense | 596,000 | 1,217,000 | 1,944,000 | 2,758,000 |
| Net interest income | 4,025,000 | 7,951,000 | 12,084,000 | 16,404,000 |
| Noninterest income | 198,000 | 445,000 | 727,000 | 1,412,000 |
| Noninterest expense | 2,736,000 | 5,322,000 | 8,250,000 | 11,440,000 |
| Provision for loan losses | 262,000 | 525,000 | 600,000 | 775,000 |
| Pretax income | 1,225,000 | 2,561,000 | 3,981,000 | 5,627,000 |
| Income tax | 444,000 | 956,000 | 1,499,000 | 2,127,000 |
| Net income | 781,000 | 1,605,000 | 2,482,000 | 3,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,460,000 | 39,524,000 | 41,131,000 | 44,188,000 |
| Total capital | 42,622,000 | 43,941,000 | 45,960,000 | 49,234,000 |
| Risk-weighted assets | 332,409,000 | 352,105,000 | 385,627,000 | 403,338,000 |