Call reports 2005
MOUNTAINONE BANK — 2005
What MOUNTAINONE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 338,804,000 | 339,276,000 | 355,860,000 | 366,799,000 |
| Total loans | 151,628,000 | 146,646,000 | 146,928,000 | 147,750,000 |
| Allowance for loan losses | 2,268,000 | 2,334,000 | 2,336,000 | 2,370,000 |
| Securities available for sale | 145,553,000 | 152,114,000 | 170,126,000 | 179,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,428,000 | 191,261,000 | 196,142,000 | 193,131,000 |
| Interest-bearing deposits | 179,619,000 | 184,257,000 | 184,668,000 | 180,481,000 |
| Noninterest-bearing deposits | 5,809,000 | 7,004,000 | 11,474,000 | 12,650,000 |
| Equity capital | 41,022,000 | 42,425,000 | 41,794,000 | 41,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,609,000 | 7,420,000 | 11,299,000 | 15,445,000 |
| Interest expense | 1,627,000 | 3,520,000 | 5,624,000 | 8,043,000 |
| Net interest income | 1,982,000 | 3,900,000 | 5,675,000 | 7,402,000 |
| Noninterest income | 2,527,000 | 4,580,000 | 6,336,000 | 8,107,000 |
| Noninterest expense | 3,033,000 | 6,183,000 | 9,112,000 | 11,960,000 |
| Provision for loan losses | 75,000 | 150,000 | 180,000 | 216,000 |
| Pretax income | 1,448,000 | 2,209,000 | 2,793,000 | 3,411,000 |
| Income tax | 502,000 | 679,000 | 784,000 | 927,000 |
| Net income | 946,000 | 1,530,000 | 2,009,000 | 2,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,833,000 | 40,231,000 | 40,899,000 | 40,815,000 |
| Total capital | 42,192,000 | 42,517,000 | 43,334,000 | 43,252,000 |
| Risk-weighted assets | 174,462,000 | 165,631,000 | 177,283,000 | 178,072,000 |