Call reports 2005
MOUNTAIN NATIONAL BANK — 2005
What MOUNTAIN NATIONAL 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 | 304,333,000 | 320,049,000 | 335,887,000 | 352,388,000 |
| Total loans | 220,459,000 | 229,276,000 | 233,924,000 | 247,894,000 |
| Allowance for loan losses | 2,339,000 | 2,403,000 | 2,479,000 | 2,604,000 |
| Securities available for sale | 51,468,000 | 54,147,000 | 59,607,000 | 57,015,000 |
| Securities held to maturity | 1,010,000 | 1,022,000 | 1,399,000 | 1,411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,817,000 | 269,836,000 | 278,700,000 | 285,584,000 |
| Interest-bearing deposits | 218,521,000 | 222,910,000 | 228,070,000 | 229,579,000 |
| Noninterest-bearing deposits | 41,296,000 | 46,926,000 | 50,630,000 | 56,004,000 |
| Equity capital | 21,551,000 | 22,685,000 | 31,701,000 | 32,143,000 |
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 | 4,114,000 | 8,747,000 | 13,728,000 | 19,224,000 |
| Interest expense | 1,235,000 | 2,741,000 | 4,468,000 | 6,400,000 |
| Net interest income | 2,879,000 | 6,006,000 | 9,260,000 | 12,824,000 |
| Noninterest income | 595,000 | 1,243,000 | 1,934,000 | 2,598,000 |
| Noninterest expense | 2,291,000 | 4,762,000 | 7,246,000 | 9,939,000 |
| Provision for loan losses | 99,000 | 198,000 | 297,000 | 446,000 |
| Pretax income | 1,105,000 | 2,322,000 | 3,707,000 | 5,092,000 |
| Income tax | 401,000 | 792,000 | 1,246,000 | 1,658,000 |
| Net income | 704,000 | 1,530,000 | 2,461,000 | 3,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,257,000 | 23,082,000 | 32,014,000 | 32,986,000 |
| Total capital | 24,626,000 | 25,515,000 | 34,523,000 | 35,620,000 |
| Risk-weighted assets | 238,917,000 | 249,307,000 | 254,943,000 | 273,548,000 |