Call reports 2005
FIRST MOUNTAIN BANK — 2005
What FIRST MOUNTAIN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 137,960,000 | 136,570,000 | 146,833,000 | 151,428,000 |
| Total loans | 86,805,000 | 85,476,000 | 88,600,000 | 92,115,000 |
| Allowance for loan losses | 1,193,000 | 1,179,000 | 1,177,000 | 1,187,000 |
| Securities available for sale | 17,612,000 | 18,328,000 | 20,014,000 | 19,823,000 |
| Securities held to maturity | 338,000 | 302,000 | 258,000 | 233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,773,000 | 122,546,000 | 132,153,000 | 136,008,000 |
| Interest-bearing deposits | 80,130,000 | 78,364,000 | 82,209,000 | 84,893,000 |
| Noninterest-bearing deposits | 44,643,000 | 44,182,000 | 49,944,000 | 51,115,000 |
| Equity capital | 12,093,000 | 12,632,000 | 12,912,000 | 13,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,936,000 | 3,940,000 | 6,057,000 | 8,294,000 |
| Interest expense | 222,000 | 457,000 | 721,000 | 1,063,000 |
| Net interest income | 1,714,000 | 3,483,000 | 5,336,000 | 7,231,000 |
| Noninterest income | 239,000 | 509,000 | 773,000 | 1,031,000 |
| Noninterest expense | 1,523,000 | 2,949,000 | 4,505,000 | 6,021,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 430,000 | 1,043,000 | 1,604,000 | 2,226,000 |
| Income tax | 143,000 | 361,000 | 559,000 | 784,000 |
| Net income | 287,000 | 682,000 | 1,045,000 | 1,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,832,000 | 12,337,000 | 12,720,000 | 13,344,000 |
| Total capital | 13,092,000 | 13,589,000 | 13,970,000 | 14,604,000 |
| Risk-weighted assets | 105,289,000 | 102,877,000 | 106,608,000 | 108,423,000 |