Call reports 2006
MOUNTAIN NATIONAL BANK — 2006
What MOUNTAIN NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 388,793,000 | 415,240,000 | 429,935,000 | 469,493,000 |
| Total loans | 273,371,000 | 287,117,000 | 311,051,000 | 343,726,000 |
| Allowance for loan losses | 2,694,000 | 2,867,000 | 3,088,000 | 3,494,000 |
| Securities available for sale | 69,704,000 | 71,459,000 | 73,124,000 | 74,514,000 |
| Securities held to maturity | 1,429,000 | 1,446,000 | 1,463,000 | 1,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,547,000 | 336,806,000 | 343,739,000 | 364,729,000 |
| Interest-bearing deposits | 270,112,000 | 274,196,000 | 286,630,000 | 301,714,000 |
| Noninterest-bearing deposits | 57,435,000 | 62,610,000 | 57,109,000 | 63,015,000 |
| Equity capital | 33,045,000 | 40,990,000 | 42,779,000 | 44,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,085,000 | 13,070,000 | 20,621,000 | 29,001,000 |
| Interest expense | 2,332,000 | 5,239,000 | 8,553,000 | 12,369,000 |
| Net interest income | 3,753,000 | 7,831,000 | 12,068,000 | 16,632,000 |
| Noninterest income | 650,000 | 1,501,000 | 2,382,000 | 3,247,000 |
| Noninterest expense | 2,885,000 | 6,010,000 | 9,386,000 | 12,889,000 |
| Provision for loan losses | 90,000 | 258,000 | 474,000 | 915,000 |
| Pretax income | 1,428,000 | 3,064,000 | 4,590,000 | 6,075,000 |
| Income tax | 424,000 | 914,000 | 1,278,000 | 1,633,000 |
| Net income | 1,004,000 | 2,150,000 | 3,312,000 | 4,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,004,000 | 42,668,000 | 43,848,000 | 44,996,000 |
| Total capital | 36,728,000 | 45,565,000 | 46,966,000 | 48,520,000 |
| Risk-weighted assets | 314,722,000 | 333,961,000 | 364,146,000 | 397,052,000 |