Call reports 2004
FIRST MOUNTAIN BANK — 2004
What FIRST MOUNTAIN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 122,826,000 | 118,487,000 | 124,991,000 | 127,628,000 |
| Total loans | 78,468,000 | 83,650,000 | 86,434,000 | 88,637,000 |
| Allowance for loan losses | 1,210,000 | 1,196,000 | 1,201,000 | 1,200,000 |
| Securities available for sale | 13,780,000 | 14,668,000 | 14,495,000 | 16,615,000 |
| Securities held to maturity | 581,000 | 463,000 | 414,000 | 367,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,839,000 | 106,484,000 | 112,358,000 | 114,648,000 |
| Interest-bearing deposits | 70,163,000 | 69,116,000 | 73,401,000 | 75,694,000 |
| Noninterest-bearing deposits | 40,676,000 | 37,368,000 | 38,957,000 | 38,954,000 |
| Equity capital | 11,051,000 | 11,074,000 | 11,570,000 | 11,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,733,000 | 3,478,000 | 5,313,000 | 7,219,000 |
| Interest expense | 178,000 | 354,000 | 543,000 | 751,000 |
| Net interest income | 1,555,000 | 3,124,000 | 4,770,000 | 6,468,000 |
| Noninterest income | 258,000 | 527,000 | 778,000 | 1,026,000 |
| Noninterest expense | 1,314,000 | 2,771,000 | 4,113,000 | 5,561,000 |
| Provision for loan losses | 0 | 0 | 27,000 | 27,000 |
| Pretax income | 499,000 | 880,000 | 1,408,000 | 1,906,000 |
| Income tax | 166,000 | 243,000 | 425,000 | 597,000 |
| Net income | 333,000 | 637,000 | 983,000 | 1,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,430,000 | 10,758,000 | 11,110,000 | 11,456,000 |
| Total capital | 11,623,000 | 11,994,000 | 12,373,000 | 12,723,000 |
| Risk-weighted assets | 95,401,000 | 98,890,000 | 101,713,000 | 104,229,000 |