Call reports 2004
MOUNTAIN NATIONAL BANK — 2004
What MOUNTAIN NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 227,269,000 | 224,332,000 | 224,866,000 | 223,557,000 |
| Total loans | 102,604,000 | 109,806,000 | 110,294,000 | 109,282,000 |
| Allowance for loan losses | 1,656,000 | 1,661,000 | 1,670,000 | 1,659,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 55,239,000 | 68,623,000 | 52,878,000 | 42,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,942,000 | 209,118,000 | 209,403,000 | 207,924,000 |
| Interest-bearing deposits | 186,045,000 | 183,086,000 | 183,091,000 | 181,605,000 |
| Noninterest-bearing deposits | 25,897,000 | 26,032,000 | 26,312,000 | 26,319,000 |
| Equity capital | 14,711,000 | 14,897,000 | 15,123,000 | 15,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,351,000 | 4,730,000 | 7,191,000 | 9,516,000 |
| Interest expense | 1,108,000 | 2,180,000 | 3,248,000 | 4,328,000 |
| Net interest income | 1,243,000 | 2,550,000 | 3,943,000 | 5,188,000 |
| Noninterest income | 167,000 | 340,000 | 507,000 | 754,000 |
| Noninterest expense | 851,000 | 1,733,000 | 2,645,000 | 3,653,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 541,000 | 1,121,000 | 1,751,000 | 2,217,000 |
| Income tax | 155,000 | 320,000 | 495,000 | 620,000 |
| Net income | 386,000 | 801,000 | 1,256,000 | 1,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,711,000 | 14,897,000 | 15,123,000 | 15,236,000 |
| Total capital | 16,189,000 | 16,386,000 | 16,637,000 | 16,731,000 |
| Risk-weighted assets | 118,051,000 | 118,972,000 | 120,935,000 | 119,408,000 |