Call reports 2003
MOUNTAIN NATIONAL BANK — 2003
What MOUNTAIN NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 199,155,000 | 212,113,000 | 209,948,000 | 224,199,000 |
| Total loans | 153,374,000 | 167,126,000 | 167,849,000 | 178,846,000 |
| Allowance for loan losses | 1,763,000 | 1,940,000 | 2,088,000 | 2,112,000 |
| Securities available for sale | 26,525,000 | 23,064,000 | 21,054,000 | 22,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,121,000 | 183,974,000 | 187,583,000 | 197,155,000 |
| Interest-bearing deposits | 151,909,000 | 151,759,000 | 157,653,000 | 162,293,000 |
| Noninterest-bearing deposits | 23,213,000 | 32,215,000 | 29,930,000 | 34,862,000 |
| Equity capital | 19,188,000 | 19,395,000 | 19,220,000 | 19,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,807,000 | 5,691,000 | 8,703,000 | 11,699,000 |
| Interest expense | 860,000 | 1,690,000 | 2,405,000 | 3,108,000 |
| Net interest income | 1,947,000 | 4,001,000 | 6,298,000 | 8,591,000 |
| Noninterest income | 425,000 | 925,000 | 1,457,000 | 1,935,000 |
| Noninterest expense | 1,658,000 | 3,411,000 | 5,230,000 | 7,036,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 735,000 |
| Pretax income | 524,000 | 1,147,000 | 1,988,000 | 2,840,000 |
| Income tax | 187,000 | 406,000 | 713,000 | 1,022,000 |
| Net income | 337,000 | 741,000 | 1,275,000 | 1,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,063,000 | 19,177,000 | 19,214,000 | 19,653,000 |
| Total capital | 20,856,000 | 21,147,000 | 21,332,000 | 21,795,000 |
| Risk-weighted assets | 164,932,000 | 177,000,000 | 178,746,000 | 191,279,000 |