Call reports 2009
MOUNTAIN VALLEY COMMUNITY BANK — 2009
What MOUNTAIN VALLEY COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 156,517,000 | 148,663,000 | 153,109,000 | 147,800,000 |
| Total loans | 107,296,000 | 104,886,000 | 104,125,000 | 101,896,000 |
| Allowance for loan losses | 1,480,000 | 1,540,000 | 1,566,000 | 1,461,000 |
| Securities available for sale | 26,515,000 | 23,752,000 | 23,859,000 | 19,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,976,000 | 123,276,000 | 131,985,000 | 124,116,000 |
| Interest-bearing deposits | 114,333,000 | 115,242,000 | 117,043,000 | 112,716,000 |
| Noninterest-bearing deposits | 15,644,000 | 8,035,000 | 14,943,000 | 11,401,000 |
| Equity capital | 12,572,000 | 12,322,000 | 15,261,000 | 14,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,840,000 | 3,631,000 | 5,461,000 | 7,182,000 |
| Interest expense | 894,000 | 1,775,000 | 2,615,000 | 3,569,000 |
| Net interest income | 946,000 | 1,856,000 | 2,846,000 | 3,613,000 |
| Noninterest income | 216,000 | 345,000 | 351,000 | 481,000 |
| Noninterest expense | 1,039,000 | 2,195,000 | 3,317,000 | 4,222,000 |
| Provision for loan losses | 93,000 | 311,000 | 419,000 | 1,538,000 |
| Pretax income | 126,000 | -209,000 | -443,000 | -1,570,000 |
| Income tax | 48,000 | -84,000 | -168,000 | -603,000 |
| Net income | 78,000 | -125,000 | -275,000 | -967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,243,000 | 12,040,000 | 14,942,000 | 14,715,000 |
| Total capital | 13,661,000 | 13,424,000 | 16,348,000 | 16,072,000 |
| Risk-weighted assets | 113,355,000 | 110,540,000 | 111,550,000 | 111,460,000 |
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