Call reports 2008
MOUNTAIN VALLEY COMMUNITY BANK — 2008
What MOUNTAIN VALLEY COMMUNITY 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 | 134,772,000 | 139,888,000 | 145,739,000 | 144,202,000 |
| Total loans | 106,532,000 | 108,844,000 | 110,058,000 | 106,301,000 |
| Allowance for loan losses | 1,221,000 | 1,259,000 | 1,367,000 | 1,469,000 |
| Securities available for sale | 19,095,000 | 23,626,000 | 23,660,000 | 28,220,000 |
| Securities held to maturity | 999,000 | 999,000 | 1,000,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,320,000 | 114,208,000 | 121,783,000 | 118,561,000 |
| Interest-bearing deposits | 95,566,000 | 96,376,000 | 102,454,000 | 103,323,000 |
| Noninterest-bearing deposits | 17,755,000 | 17,832,000 | 19,329,000 | 15,239,000 |
| Equity capital | 10,829,000 | 10,454,000 | 10,390,000 | 12,668,000 |
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 | 2,178,000 | 4,226,000 | 6,231,000 | 8,185,000 |
| Interest expense | 1,056,000 | 2,071,000 | 3,076,000 | 4,055,000 |
| Net interest income | 1,122,000 | 2,155,000 | 3,155,000 | 4,130,000 |
| Noninterest income | 106,000 | 222,000 | 282,000 | 414,000 |
| Noninterest expense | 1,066,000 | 2,158,000 | 3,256,000 | 4,290,000 |
| Provision for loan losses | 75,000 | 125,000 | 330,000 | 625,000 |
| Pretax income | 98,000 | 116,000 | -127,000 | -349,000 |
| Income tax | 37,000 | 44,000 | 5,000 | -59,000 |
| Net income | 61,000 | 72,000 | -132,000 | -290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,450,000 | 10,465,000 | 10,312,000 | 12,166,000 |
| Total capital | 11,671,000 | 11,724,000 | 11,679,000 | 13,579,000 |
| Risk-weighted assets | 109,751,000 | 112,830,000 | 111,309,000 | 112,217,000 |
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