Call reports 2003
MOUNTAINONE BANK — 2003
What MOUNTAINONE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 286,658,000 | 302,426,000 | 296,182,000 | 289,772,000 |
| Total loans | 150,873,000 | 148,239,000 | 144,848,000 | 137,042,000 |
| Allowance for loan losses | 1,851,000 | 1,926,000 | 1,933,000 | 1,886,000 |
| Securities available for sale | 82,046,000 | 105,766,000 | 93,183,000 | 114,122,000 |
| Securities held to maturity | 14,880,000 | 7,738,000 | 11,006,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,758,000 | 207,534,000 | 205,504,000 | 198,749,000 |
| Interest-bearing deposits | 202,725,000 | 199,532,000 | 196,803,000 | 190,618,000 |
| Noninterest-bearing deposits | 7,033,000 | 8,002,000 | 8,701,000 | 8,131,000 |
| Equity capital | 40,219,000 | 40,828,000 | 40,614,000 | 40,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,432,000 | 6,639,000 | 9,775,000 | 12,865,000 |
| Interest expense | 1,862,000 | 3,586,000 | 5,201,000 | 6,610,000 |
| Net interest income | 1,570,000 | 3,053,000 | 4,574,000 | 6,255,000 |
| Noninterest income | 1,983,000 | 3,456,000 | 5,211,000 | 6,589,000 |
| Noninterest expense | 2,493,000 | 4,904,000 | 7,545,000 | 10,708,000 |
| Provision for loan losses | 75,000 | 150,000 | 180,000 | 195,000 |
| Pretax income | 1,083,000 | 2,271,000 | 2,755,000 | 2,572,000 |
| Income tax | 406,000 | 896,000 | 875,000 | 681,000 |
| Net income | 677,000 | 1,375,000 | 1,880,000 | 1,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,413,000 | 37,000,000 | 37,397,000 | 37,495,000 |
| Total capital | 38,264,000 | 38,956,000 | 39,397,000 | 39,522,000 |
| Risk-weighted assets | 181,571,000 | 169,948,000 | 169,240,000 | 160,932,000 |