Call reports 2003
MOUNTAIN NATIONAL BANK — 2003
What MOUNTAIN NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 219,006,000 | 223,995,000 | 226,067,000 | 223,646,000 |
| Total loans | 96,066,000 | 94,804,000 | 97,266,000 | 102,000,000 |
| Allowance for loan losses | 887,000 | 1,610,000 | 1,627,000 | 1,639,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 55,805,000 | 48,093,000 | 51,890,000 | 65,359,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,877,000 | 209,451,000 | 211,392,000 | 208,713,000 |
| Interest-bearing deposits | 179,432,000 | 184,779,000 | 187,055,000 | 183,889,000 |
| Noninterest-bearing deposits | 24,445,000 | 24,672,000 | 24,337,000 | 24,824,000 |
| Equity capital | 14,571,000 | 14,003,000 | 14,352,000 | 14,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,760,000 | 5,418,000 | 7,880,000 | 10,349,000 |
| Interest expense | 1,375,000 | 2,704,000 | 3,982,000 | 5,163,000 |
| Net interest income | 1,385,000 | 2,714,000 | 3,898,000 | 5,186,000 |
| Noninterest income | 155,000 | 294,000 | 444,000 | 670,000 |
| Noninterest expense | 814,000 | 1,642,000 | 2,473,000 | 3,344,000 |
| Provision for loan losses | 18,000 | 798,000 | 842,000 | 860,000 |
| Pretax income | 708,000 | 568,000 | 1,027,000 | 1,652,000 |
| Income tax | 225,000 | 425,000 | 305,000 | 501,000 |
| Net income | 483,000 | 143,000 | 722,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,571,000 | 14,003,000 | 14,352,000 | 14,553,000 |
| Total capital | 15,458,000 | 15,424,000 | 15,795,000 | 16,022,000 |
| Risk-weighted assets | 112,923,000 | 113,444,000 | 115,256,000 | 117,358,000 |