Call reports 2005
MOUNTAIN NATIONAL BANK — 2005
What MOUNTAIN NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 226,163,000 | 229,825,000 | 231,893,000 | 232,293,000 |
| Total loans | 114,844,000 | 117,148,000 | 122,993,000 | 127,726,000 |
| Allowance for loan losses | 1,615,000 | 1,668,000 | 1,672,000 | 1,681,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 56,712,000 | 53,068,000 | 52,773,000 | 56,777,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,472,000 | 213,839,000 | 215,774,000 | 216,171,000 |
| Interest-bearing deposits | 183,676,000 | 188,307,000 | 188,570,000 | 188,971,000 |
| Noninterest-bearing deposits | 26,796,000 | 25,532,000 | 27,204,000 | 27,200,000 |
| Equity capital | 15,358,000 | 15,492,000 | 15,636,000 | 15,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,368,000 | 4,869,000 | 7,515,000 | 10,215,000 |
| Interest expense | 1,111,000 | 2,317,000 | 3,690,000 | 5,116,000 |
| Net interest income | 1,257,000 | 2,552,000 | 3,825,000 | 5,099,000 |
| Noninterest income | 158,000 | 293,000 | 448,000 | 593,000 |
| Noninterest expense | 940,000 | 1,893,000 | 2,827,000 | 3,877,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 457,000 | 916,000 | 1,392,000 | 1,743,000 |
| Income tax | 105,000 | 203,000 | 306,000 | 387,000 |
| Net income | 352,000 | 713,000 | 1,086,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,358,000 | 15,492,000 | 15,636,000 | 15,678,000 |
| Total capital | 16,881,000 | 17,023,000 | 17,233,000 | 17,312,000 |
| Risk-weighted assets | 121,746,000 | 122,355,000 | 127,656,000 | 130,655,000 |