Call reports 2011
MOUNTAIN 1ST BANK & TRUST COMPANY — 2011
What MOUNTAIN 1ST BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 730,476,000 | 723,897,000 | 726,979,000 | 700,025,000 |
| Total loans | 482,575,000 | 464,189,000 | 443,454,000 | 427,596,000 |
| Allowance for loan losses | 13,905,000 | 11,812,000 | 10,058,000 | 10,650,000 |
| Securities available for sale | 135,000,000 | 157,704,000 | 151,347,000 | 195,485,000 |
| Securities held to maturity | 3,964,000 | 3,964,000 | 3,963,000 | 4,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 673,628,000 | 677,022,000 | 682,676,000 | 672,704,000 |
| Interest-bearing deposits | 660,037,000 | 664,314,000 | 669,811,000 | 657,362,000 |
| Noninterest-bearing deposits | 13,591,000 | 12,708,000 | 12,865,000 | 15,342,000 |
| Equity capital | 37,558,000 | 38,419,000 | 33,386,000 | 18,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,125,000 | 14,345,000 | 21,360,000 | 28,028,000 |
| Interest expense | 2,036,000 | 3,933,000 | 5,797,000 | 7,511,000 |
| Net interest income | 5,089,000 | 10,412,000 | 15,563,000 | 20,517,000 |
| Noninterest income | 1,351,000 | 2,430,000 | 2,071,000 | 2,731,000 |
| Noninterest expense | 4,890,000 | 10,167,000 | 15,571,000 | 20,882,000 |
| Provision for loan losses | 686,000 | 2,806,000 | 8,765,000 | 15,815,000 |
| Pretax income | 873,000 | -131,000 | -4,287,000 | -10,991,000 |
| Income tax | 314,000 | -203,000 | 1,150,000 | 9,451,000 |
| Net income | 559,000 | 72,000 | -5,437,000 | -20,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,167,000 | 32,111,000 | 27,441,000 | 17,790,000 |
| Total capital | 39,072,000 | 37,926,000 | 32,963,000 | 23,219,000 |
| Risk-weighted assets | 464,363,000 | 459,192,000 | 437,190,000 | 429,098,000 |