Call reports 2007
MOUNTAIN 1ST BANK & TRUST COMPANY — 2007
What MOUNTAIN 1ST BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 513,051,000 | 549,342,000 | 586,638,000 | 606,491,000 |
| Total loans | 416,392,000 | 454,310,000 | 485,588,000 | 521,943,000 |
| Allowance for loan losses | 6,349,000 | 6,942,000 | 7,123,000 | 7,571,000 |
| Securities available for sale | 77,503,000 | 72,371,000 | 74,103,000 | 61,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,025,000 | 492,893,000 | 531,940,000 | 529,105,000 |
| Interest-bearing deposits | 403,918,000 | 438,522,000 | 506,049,000 | 505,794,000 |
| Noninterest-bearing deposits | 52,107,000 | 54,371,000 | 25,891,000 | 23,311,000 |
| Equity capital | 44,027,000 | 44,622,000 | 46,040,000 | 46,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,991,000 | 19,000,000 | 29,763,000 | 40,740,000 |
| Interest expense | 4,348,000 | 9,115,000 | 14,312,000 | 19,675,000 |
| Net interest income | 4,643,000 | 9,885,000 | 15,451,000 | 21,065,000 |
| Noninterest income | 1,059,000 | 2,159,000 | 3,278,000 | 4,310,000 |
| Noninterest expense | 3,528,000 | 7,504,000 | 11,785,000 | 16,211,000 |
| Provision for loan losses | 663,000 | 1,495,000 | 2,355,000 | 3,390,000 |
| Pretax income | 1,511,000 | 3,045,000 | 4,589,000 | 5,758,000 |
| Income tax | 620,000 | 1,226,000 | 1,828,000 | 2,218,000 |
| Net income | 891,000 | 1,819,000 | 2,761,000 | 3,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,014,000 | 44,970,000 | 46,042,000 | 46,339,000 |
| Total capital | 49,365,000 | 50,800,000 | 52,094,000 | 52,661,000 |
| Risk-weighted assets | 427,088,000 | 465,271,000 | 483,054,000 | 504,522,000 |
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