Call reports 2010
MOUNTAIN 1ST BANK & TRUST COMPANY — 2010
What MOUNTAIN 1ST BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 810,049,000 | 802,109,000 | 778,181,000 | 724,738,000 |
| Total loans | 543,654,000 | 520,363,000 | 520,982,000 | 497,221,000 |
| Allowance for loan losses | 25,691,000 | 20,632,000 | 16,655,000 | 16,191,000 |
| Securities available for sale | 89,141,000 | 158,137,000 | 144,881,000 | 130,414,000 |
| Securities held to maturity | 754,000 | 4,986,000 | 2,765,000 | 2,765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 689,023,000 | 689,027,000 | 689,935,000 | 674,369,000 |
| Interest-bearing deposits | 675,140,000 | 674,747,000 | 677,788,000 | 661,427,000 |
| Noninterest-bearing deposits | 13,883,000 | 14,280,000 | 12,147,000 | 12,942,000 |
| Equity capital | 43,679,000 | 44,201,000 | 40,342,000 | 37,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,797,000 | 15,491,000 | 23,268,000 | 30,736,000 |
| Interest expense | 2,805,000 | 5,435,000 | 7,928,000 | 10,291,000 |
| Net interest income | 4,992,000 | 10,056,000 | 15,340,000 | 20,445,000 |
| Noninterest income | 944,000 | 2,371,000 | 3,546,000 | 4,628,000 |
| Noninterest expense | 5,233,000 | 10,812,000 | 16,855,000 | 22,943,000 |
| Provision for loan losses | 300,000 | 1,020,000 | 9,520,000 | 12,462,000 |
| Pretax income | 526,000 | 1,095,000 | -6,692,000 | -8,612,000 |
| Income tax | 160,000 | 340,000 | -2,689,000 | -3,474,000 |
| Net income | 366,000 | 755,000 | -4,003,000 | -5,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,272,000 | 42,878,000 | 35,261,000 | 32,297,000 |
| Total capital | 45,716,000 | 49,364,000 | 41,576,000 | 38,397,000 |
| Risk-weighted assets | 496,267,000 | 504,744,000 | 494,830,000 | 477,965,000 |