Call reports 2007
MOUNTAINONE BANK — 2007
What MOUNTAINONE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 383,183,000 | 396,871,000 | 396,303,000 | 382,569,000 |
| Total loans | 155,022,000 | 159,534,000 | 161,357,000 | 158,144,000 |
| Allowance for loan losses | 2,259,000 | 2,256,000 | 2,255,000 | 2,250,000 |
| Securities available for sale | 185,754,000 | 193,134,000 | 190,969,000 | 180,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,217,000 | 215,605,000 | 219,091,000 | 218,855,000 |
| Interest-bearing deposits | 193,427,000 | 200,297,000 | 205,469,000 | 204,358,000 |
| Noninterest-bearing deposits | 15,790,000 | 15,308,000 | 13,622,000 | 14,497,000 |
| Equity capital | 43,629,000 | 42,168,000 | 42,651,000 | 42,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,017,000 | 10,059,000 | 15,213,000 | 20,206,000 |
| Interest expense | 3,424,000 | 6,949,000 | 10,617,000 | 14,180,000 |
| Net interest income | 1,593,000 | 3,110,000 | 4,596,000 | 6,026,000 |
| Noninterest income | 2,731,000 | 4,931,000 | 7,055,000 | 9,117,000 |
| Noninterest expense | 3,332,000 | 6,686,000 | 10,931,000 | 14,463,000 |
| Provision for loan losses | 4,000 | 8,000 | 10,000 | 15,000 |
| Pretax income | 952,000 | 1,291,000 | 621,000 | 448,000 |
| Income tax | 208,000 | 148,000 | -308,000 | -571,000 |
| Net income | 744,000 | 1,143,000 | 929,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,416,000 | 42,645,000 | 42,245,000 | 41,563,000 |
| Total capital | 44,975,000 | 45,156,000 | 44,780,000 | 43,813,000 |
| Risk-weighted assets | 200,927,000 | 207,309,000 | 195,317,000 | 195,447,000 |