Call reports 2004
MOUNTAINONE BANK — 2004
What MOUNTAINONE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 299,446,000 | 302,197,000 | 305,501,000 | 322,355,000 |
| Total loans | 141,624,000 | 150,041,000 | 154,031,000 | 152,482,000 |
| Allowance for loan losses | 1,918,000 | 1,959,000 | 2,003,000 | 2,394,000 |
| Securities available for sale | 121,026,000 | 112,699,000 | 115,618,000 | 131,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,835,000 | 191,233,000 | 189,078,000 | 187,070,000 |
| Interest-bearing deposits | 187,517,000 | 183,374,000 | 182,477,000 | 176,181,000 |
| Noninterest-bearing deposits | 7,318,000 | 7,859,000 | 6,601,000 | 10,889,000 |
| Equity capital | 41,859,000 | 40,573,000 | 41,663,000 | 41,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,214,000 | 6,358,000 | 9,658,000 | 13,107,000 |
| Interest expense | 1,391,000 | 2,760,000 | 4,165,000 | 5,698,000 |
| Net interest income | 1,823,000 | 3,598,000 | 5,493,000 | 7,409,000 |
| Noninterest income | 2,306,000 | 4,010,000 | 5,638,000 | 7,321,000 |
| Noninterest expense | 2,792,000 | 5,608,000 | 8,670,000 | 12,516,000 |
| Provision for loan losses | 15,000 | 55,000 | 115,000 | 505,000 |
| Pretax income | 1,540,000 | 2,163,000 | 2,684,000 | 2,063,000 |
| Income tax | 537,000 | 720,000 | 851,000 | 420,000 |
| Net income | 1,003,000 | 1,443,000 | 1,833,000 | 1,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,564,000 | 39,058,000 | 39,374,000 | 39,187,000 |
| Total capital | 40,582,000 | 41,144,000 | 41,513,000 | 41,551,000 |
| Risk-weighted assets | 160,558,000 | 167,848,000 | 170,956,000 | 173,273,000 |