Call reports 2008
MOUNTAIN NATIONAL BANK — 2008
What MOUNTAIN NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 574,856,000 | 587,172,000 | 605,586,000 | 620,896,000 |
| Total loans | 416,621,000 | 421,165,000 | 418,711,000 | 420,430,000 |
| Allowance for loan losses | 4,130,000 | 4,427,000 | 4,397,000 | 5,292,000 |
| Securities available for sale | 95,224,000 | 89,264,000 | 111,104,000 | 124,579,000 |
| Securities held to maturity | 2,046,000 | 2,070,000 | 2,095,000 | 2,117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,826,000 | 450,336,000 | 448,418,000 | 455,130,000 |
| Interest-bearing deposits | 356,243,000 | 396,446,000 | 400,529,000 | 410,014,000 |
| Noninterest-bearing deposits | 50,583,000 | 53,891,000 | 47,889,000 | 45,116,000 |
| Equity capital | 60,882,000 | 60,874,000 | 63,102,000 | 63,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,155,000 | 18,219,000 | 27,094,000 | 35,194,000 |
| Interest expense | 4,370,000 | 8,403,000 | 12,459,000 | 16,171,000 |
| Net interest income | 4,785,000 | 9,816,000 | 14,635,000 | 19,023,000 |
| Noninterest income | 805,000 | 1,718,000 | 2,670,000 | 4,146,000 |
| Noninterest expense | 4,198,000 | 8,355,000 | 12,391,000 | 16,027,000 |
| Provision for loan losses | 225,000 | 555,000 | 1,105,000 | 2,305,000 |
| Pretax income | 1,198,000 | 2,658,000 | 3,948,000 | 5,016,000 |
| Income tax | 290,000 | 646,000 | 948,000 | 1,175,000 |
| Net income | 908,000 | 2,012,000 | 3,000,000 | 3,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,875,000 | 62,042,000 | 63,092,000 | 63,433,000 |
| Total capital | 65,005,000 | 66,469,000 | 67,489,000 | 68,725,000 |
| Risk-weighted assets | 470,293,000 | 478,281,000 | 481,392,000 | 480,771,000 |