Call reports 2009
MOUNTAIN 1ST BANK & TRUST COMPANY — 2009
What MOUNTAIN 1ST BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 716,868,000 | 704,788,000 | 686,593,000 | 792,990,000 |
| Total loans | 589,687,000 | 592,261,000 | 572,119,000 | 558,732,000 |
| Allowance for loan losses | 9,766,000 | 11,296,000 | 17,964,000 | 28,231,000 |
| Securities available for sale | 86,426,000 | 74,354,000 | 72,731,000 | 94,330,000 |
| Securities held to maturity | 307,000 | 806,000 | 805,000 | 805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 594,500,000 | 599,976,000 | 587,738,000 | 673,801,000 |
| Interest-bearing deposits | 577,121,000 | 585,927,000 | 572,187,000 | 659,692,000 |
| Noninterest-bearing deposits | 17,379,000 | 14,049,000 | 15,551,000 | 14,109,000 |
| Equity capital | 57,809,000 | 59,541,000 | 53,164,000 | 43,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,706,000 | 17,420,000 | 25,514,000 | 33,709,000 |
| Interest expense | 3,190,000 | 5,963,000 | 8,389,000 | 11,175,000 |
| Net interest income | 5,516,000 | 11,457,000 | 17,125,000 | 22,534,000 |
| Noninterest income | 1,189,000 | 1,073,000 | 1,883,000 | 3,205,000 |
| Noninterest expense | 4,348,000 | 9,744,000 | 14,638,000 | 20,271,000 |
| Provision for loan losses | 2,305,000 | 4,975,000 | 18,975,000 | 29,940,000 |
| Pretax income | 440,000 | -1,638,000 | -14,007,000 | -23,430,000 |
| Income tax | 210,000 | -698,000 | -5,336,000 | -5,208,000 |
| Net income | 230,000 | -940,000 | -8,671,000 | -18,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,968,000 | 59,530,000 | 48,896,000 | 38,651,000 |
| Total capital | 64,981,000 | 66,504,000 | 55,728,000 | 45,283,000 |
| Risk-weighted assets | 558,281,000 | 553,620,000 | 535,400,000 | 508,942,000 |