Call reports 2002
MOUNTAIN NATIONAL BANK — 2002
What MOUNTAIN NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 215,151,000 | 214,522,000 | 215,209,000 | 212,239,000 |
| Total loans | 113,374,000 | 118,706,000 | 100,157,000 | 96,058,000 |
| Allowance for loan losses | 820,000 | 844,000 | 861,000 | 873,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 75,310,000 | 75,628,000 | 73,270,000 | 62,215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,132,000 | 200,266,000 | 200,480,000 | 197,227,000 |
| Interest-bearing deposits | 178,965,000 | 178,251,000 | 177,348,000 | 175,440,000 |
| Noninterest-bearing deposits | 22,167,000 | 22,015,000 | 23,132,000 | 21,787,000 |
| Equity capital | 13,249,000 | 13,713,000 | 14,115,000 | 14,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,036,000 | 6,384,000 | 9,604,000 | 12,493,000 |
| Interest expense | 1,697,000 | 3,333,000 | 4,917,000 | 6,388,000 |
| Net interest income | 1,339,000 | 3,051,000 | 4,687,000 | 6,105,000 |
| Noninterest income | 136,000 | 249,000 | 400,000 | 572,000 |
| Noninterest expense | 762,000 | 1,568,000 | 2,357,000 | 3,288,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 695,000 | 1,696,000 | 2,676,000 | 3,317,000 |
| Income tax | 220,000 | 550,000 | 875,000 | 1,086,000 |
| Net income | 475,000 | 1,146,000 | 1,801,000 | 2,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,249,000 | 13,713,000 | 14,115,000 | 14,317,000 |
| Total capital | 14,069,000 | 14,557,000 | 14,976,000 | 15,190,000 |
| Risk-weighted assets | 117,694,000 | 118,293,000 | 112,891,000 | 111,054,000 |