Call reports 2004
MOUNTAIN NATIONAL BANK — 2004
What MOUNTAIN NATIONAL 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 | 231,048,000 | 249,215,000 | 271,283,000 | 288,970,000 |
| Total loans | 183,493,000 | 186,507,000 | 190,682,000 | 208,185,000 |
| Allowance for loan losses | 1,940,000 | 2,054,000 | 2,178,000 | 2,251,000 |
| Securities available for sale | 22,705,000 | 35,833,000 | 45,972,000 | 49,722,000 |
| Securities held to maturity | 0 | 0 | 982,000 | 999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,381,000 | 219,456,000 | 240,595,000 | 245,497,000 |
| Interest-bearing deposits | 169,122,000 | 183,290,000 | 201,024,000 | 203,731,000 |
| Noninterest-bearing deposits | 30,259,000 | 36,166,000 | 39,571,000 | 41,766,000 |
| Equity capital | 20,189,000 | 19,951,000 | 21,079,000 | 21,362,000 |
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 | 2,943,000 | 6,090,000 | 9,591,000 | 13,312,000 |
| Interest expense | 706,000 | 1,479,000 | 2,370,000 | 3,378,000 |
| Net interest income | 2,237,000 | 4,611,000 | 7,221,000 | 9,934,000 |
| Noninterest income | 475,000 | 1,001,000 | 1,566,000 | 2,163,000 |
| Noninterest expense | 1,937,000 | 3,839,000 | 5,911,000 | 8,126,000 |
| Provision for loan losses | 117,000 | 234,000 | 351,000 | 468,000 |
| Pretax income | 760,000 | 1,641,000 | 2,672,000 | 3,710,000 |
| Income tax | 277,000 | 605,000 | 984,000 | 1,365,000 |
| Net income | 483,000 | 1,036,000 | 1,688,000 | 2,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,136,000 | 20,689,000 | 21,076,000 | 21,552,000 |
| Total capital | 22,106,000 | 22,773,000 | 23,284,000 | 23,833,000 |
| Risk-weighted assets | 198,186,000 | 204,314,000 | 210,071,000 | 223,311,000 |