Call reports 2005
MOUNTAIN 1ST BANK & TRUST COMPANY — 2005
What MOUNTAIN 1ST BANK & TRUST COMPANY 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 | 184,130,000 | 252,492,000 | 286,183,000 | 322,777,000 |
| Total loans | 153,473,000 | 186,495,000 | 216,873,000 | 243,009,000 |
| Allowance for loan losses | 2,252,000 | 2,781,000 | 3,265,000 | 3,652,000 |
| Securities available for sale | 25,958,000 | 38,680,000 | 55,517,000 | 61,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,077,000 | 211,823,000 | 242,270,000 | 279,953,000 |
| Interest-bearing deposits | 146,565,000 | 191,051,000 | 214,236,000 | 248,448,000 |
| Noninterest-bearing deposits | 17,512,000 | 20,772,000 | 28,034,000 | 31,505,000 |
| Equity capital | 15,980,000 | 39,220,000 | 39,531,000 | 39,871,000 |
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 | 2,290,000 | 5,489,000 | 9,527,000 | 14,480,000 |
| Interest expense | 887,000 | 2,119,000 | 3,707,000 | 5,616,000 |
| Net interest income | 1,403,000 | 3,370,000 | 5,820,000 | 8,864,000 |
| Noninterest income | 422,000 | 1,032,000 | 1,745,000 | 2,509,000 |
| Noninterest expense | 1,326,000 | 6,035,000 | 8,376,000 | 11,204,000 |
| Provision for loan losses | 412,000 | 941,000 | 1,425,000 | 1,812,000 |
| Pretax income | 106,000 | -2,555,000 | -2,217,000 | -1,624,000 |
| Income tax | 39,000 | -552,000 | -553,000 | -553,000 |
| Net income | 67,000 | -2,003,000 | -1,664,000 | -1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,018,000 | 39,273,000 | 39,594,000 | 40,159,000 |
| Total capital | 17,936,000 | 41,682,000 | 42,459,000 | 43,377,000 |
| Risk-weighted assets | 153,087,000 | 192,359,000 | 228,765,000 | 257,022,000 |