Call reports 2010
MOUNTAIN VALLEY COMMUNITY BANK — 2010
What MOUNTAIN VALLEY COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 144,802,000 | 147,292,000 | 144,509,000 | 139,640,000 |
| Total loans | 99,623,000 | 99,393,000 | 97,255,000 | 98,625,000 |
| Allowance for loan losses | 1,559,000 | 1,615,000 | 1,718,000 | 1,801,000 |
| Securities available for sale | 20,648,000 | 20,551,000 | 19,061,000 | 18,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,157,000 | 122,941,000 | 120,374,000 | 116,344,000 |
| Interest-bearing deposits | 113,439,000 | 111,438,000 | 105,764,000 | 103,231,000 |
| Noninterest-bearing deposits | 10,718,000 | 11,504,000 | 14,611,000 | 13,113,000 |
| Equity capital | 14,399,000 | 14,818,000 | 14,942,000 | 14,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,631,000 | 3,315,000 | 5,045,000 | 6,711,000 |
| Interest expense | 575,000 | 1,245,000 | 1,815,000 | 2,319,000 |
| Net interest income | 1,056,000 | 2,070,000 | 3,230,000 | 4,392,000 |
| Noninterest income | 119,000 | 164,000 | 256,000 | 343,000 |
| Noninterest expense | 1,019,000 | 1,854,000 | 2,782,000 | 3,745,000 |
| Provision for loan losses | 228,000 | 585,000 | 736,000 | 988,000 |
| Pretax income | -72,000 | -65,000 | 108,000 | 146,000 |
| Income tax | -27,000 | -38,000 | 27,000 | 39,000 |
| Net income | -45,000 | -27,000 | 81,000 | 107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,182,000 | 14,201,000 | 14,452,000 | 14,051,000 |
| Total capital | 15,511,000 | 15,533,000 | 15,782,000 | 15,190,000 |
| Risk-weighted assets | 105,305,000 | 109,209,000 | 106,048,000 | 105,837,000 |
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