Call reports 2019
MOUNTAIN COMMERCE BANK — 2019
What MOUNTAIN COMMERCE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 865,841,000 | 881,567,000 | 909,332,000 | 906,695,000 |
| Total loans | 736,751,000 | 740,612,000 | 783,829,000 | 808,527,000 |
| Allowance for loan losses | 6,161,000 | 5,643,000 | 5,640,000 | 5,833,000 |
| Securities available for sale | 70,676,000 | 63,346,000 | 51,607,000 | 46,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 761,472,000 | 778,445,000 | 784,198,000 | 761,513,000 |
| Interest-bearing deposits | 646,579,000 | 628,262,000 | 629,172,000 | 619,084,000 |
| Noninterest-bearing deposits | 114,893,000 | 150,183,000 | 155,026,000 | 142,429,000 |
| Equity capital | 93,059,000 | 96,877,000 | 100,401,000 | 103,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,844,000 | 19,978,000 | 30,425,000 | 41,090,000 |
| Interest expense | 2,887,000 | 5,890,000 | 8,843,000 | 11,650,000 |
| Net interest income | 6,957,000 | 14,088,000 | 21,582,000 | 29,440,000 |
| Noninterest income | 678,000 | 1,166,000 | 1,949,000 | 2,811,000 |
| Noninterest expense | 3,755,000 | 7,471,000 | 11,317,000 | 15,225,000 |
| Provision for loan losses | -450,000 | -750,000 | -750,000 | -538,000 |
| Pretax income | 4,033,000 | 8,267,000 | 12,793,000 | 17,464,000 |
| Income tax | 993,000 | 2,090,000 | 3,269,000 | 4,462,000 |
| Net income | 3,040,000 | 6,177,000 | 9,524,000 | 13,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,182,000 | 96,401,000 | 99,837,000 | 103,441,000 |
| Total capital | 99,343,000 | 102,044,000 | 105,477,000 | 109,274,000 |
| Risk-weighted assets | 739,949,000 | 735,578,000 | 776,614,000 | 792,875,000 |