Call reports 2007
MOUNTAIN NATIONAL BANK — 2007
What MOUNTAIN NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 487,511,000 | 508,385,000 | 532,462,000 | 541,045,000 |
| Total loans | 355,417,000 | 376,299,000 | 388,026,000 | 397,674,000 |
| Allowance for loan losses | 3,701,000 | 3,804,000 | 3,955,000 | 3,944,000 |
| Securities available for sale | 82,973,000 | 79,673,000 | 79,768,000 | 81,138,000 |
| Securities held to maturity | 1,950,000 | 1,973,000 | 1,994,000 | 2,021,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,411,000 | 387,508,000 | 401,697,000 | 406,558,000 |
| Interest-bearing deposits | 330,565,000 | 330,880,000 | 349,149,000 | 348,067,000 |
| Noninterest-bearing deposits | 54,846,000 | 56,628,000 | 52,548,000 | 58,491,000 |
| Equity capital | 45,689,000 | 45,735,000 | 57,922,000 | 59,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,788,000 | 17,914,000 | 27,277,000 | 36,714,000 |
| Interest expense | 4,292,000 | 8,774,000 | 13,481,000 | 18,041,000 |
| Net interest income | 4,496,000 | 9,140,000 | 13,796,000 | 18,673,000 |
| Noninterest income | 831,000 | 1,759,000 | 2,642,000 | 3,742,000 |
| Noninterest expense | 3,667,000 | 7,345,000 | 11,087,000 | 15,108,000 |
| Provision for loan losses | 216,000 | 432,000 | 608,000 | 982,000 |
| Pretax income | 1,444,000 | 3,122,000 | 4,743,000 | 6,325,000 |
| Income tax | 372,000 | 845,000 | 1,287,000 | 1,729,000 |
| Net income | 1,072,000 | 2,277,000 | 3,456,000 | 4,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,161,000 | 47,398,000 | 58,608,000 | 59,803,000 |
| Total capital | 49,892,000 | 51,232,000 | 62,594,000 | 63,777,000 |
| Risk-weighted assets | 406,076,000 | 438,073,000 | 444,161,000 | 456,633,000 |