Vitals
  • Total Assets
    643.3M -9.4 %
  • Total Deposits
    630.4M -7.8 %
  • Total Net Loans
    331.6M -13.4 %
  • Net Income
    3.2M 150.9 %
  • Book Value
    9.2M -53.3 %
  • Book Value x2
    18.4M -53.3 %
  • Book Value x3
    27.6M -53.3 %
ROAA

.464

ROAE

23.189

Efficiency Ratio

83.485

Net Interest Margin

2.993

Balance Sheet Highlights
Financial Highlights Mountain 1St Bank & Trust Company All Insured Commercial Banks in North Carolina
Balance Sheet $(000)
Total Assets 643,324 1,191,658
Total Net Loans 331,557 764,901
Total Deposits 630,359 1,013,419
Total Equity 9,184 118,066
Profitability
Net Income 3,181 8,315
Return on Average Assets .464 .535
Return on Average Equity 23.189 4.597
Net Interest Margin 2.993 3.678
Efficiency Ratio 83.485 79.436
Noninterest Income/Revenue 14.937 20.499
Balance Sheet Ratios
Loan-to-Deposit 52.598 78.875
Securities/Assets .384 .209
Total Equity/Total Assets .014 .099
Tangible Equity/Tangible Assets .014 .093
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 22,161 111,065
Tier 2 Capital 4,359 11,350
Total Capital 26,520 122,390
Total Risk Weighted Assets 345,277 832,297
Leverage Ratio 3.32 9.343
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 6.42 12.897
Total Capital Ratio 7.68 14.261

Timeline for Mountain 1St Bank & Trust Company

First-Citizens Bank & Trust Company

Mountain 1St Bank & Trust Company was acquired by First-Citizens Bank & Trust Company 10 years

View Profile Jan 01 2014

1St Financial Services Corporation

1St Financial Services Corporation became a new parent organization for Mountain 1St Bank & Trust Company.

View Profile May 24 2008

Mountain 1St Bank & Trust Company

Mountain 1St Bank & Trust Company was established 20 years ago and is currently headquartered in Hendersonville, NC.

Apr 30 2004
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First-Citizens Bank & Trust Company Buyer 32,795,513 Acquisition Discontinued 1/1/2014
Relationships Role Relationship Start Relationship End
1St Financial Services Corporation Parent 5/24/2008 12/31/2013
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