Call reports 2008
MOUNTAINONE BANK — 2008
What MOUNTAINONE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 376,594,000 | 379,173,000 | 372,328,000 | 342,808,000 |
| Total loans | 158,176,000 | 155,491,000 | 155,353,000 | 156,593,000 |
| Allowance for loan losses | 2,221,000 | 2,220,000 | 2,217,000 | 2,060,000 |
| Securities available for sale | 163,483,000 | 170,074,000 | 173,063,000 | 138,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,596,000 | 212,338,000 | 201,527,000 | 197,510,000 |
| Interest-bearing deposits | 197,833,000 | 206,505,000 | 194,671,000 | 190,984,000 |
| Noninterest-bearing deposits | 14,763,000 | 5,833,000 | 6,856,000 | 6,526,000 |
| Equity capital | 42,633,000 | 40,593,000 | 35,492,000 | 38,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,728,000 | 9,261,000 | 13,915,000 | 18,366,000 |
| Interest expense | 3,377,000 | 6,371,000 | 9,293,000 | 11,936,000 |
| Net interest income | 1,351,000 | 2,890,000 | 4,622,000 | 6,430,000 |
| Noninterest income | 2,824,000 | 5,073,000 | 7,192,000 | 9,070,000 |
| Noninterest expense | 3,498,000 | 6,909,000 | 10,187,000 | 13,578,000 |
| Provision for loan losses | 1,000 | 3,000 | 4,000 | 12,000 |
| Pretax income | 782,000 | 1,079,000 | -2,661,000 | -2,238,000 |
| Income tax | 194,000 | 214,000 | 340,000 | -1,397,000 |
| Net income | 588,000 | 865,000 | -3,001,000 | -841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,932,000 | 41,980,000 | 39,506,000 | 40,008,000 |
| Total capital | 44,233,000 | 44,260,000 | 41,736,000 | 42,067,000 |
| Risk-weighted assets | 211,293,000 | 196,490,000 | 193,935,000 | 205,960,000 |