Call reports 2012
MOUNTAIN VALLEY COMMUNITY BANK — 2012
What MOUNTAIN VALLEY COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 140,119,000 | 141,952,000 | 142,254,000 | 144,713,000 |
| Total loans | 84,844,000 | 80,714,000 | 77,894,000 | 79,444,000 |
| Allowance for loan losses | 1,868,000 | 1,741,000 | 1,562,000 | 1,248,000 |
| Securities available for sale | 28,201,000 | 22,734,000 | 31,399,000 | 27,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,748,000 | 119,054,000 | 119,362,000 | 122,062,000 |
| Interest-bearing deposits | 99,045,000 | 98,531,000 | 96,001,000 | 93,929,000 |
| Noninterest-bearing deposits | 18,704,000 | 20,522,000 | 23,360,000 | 28,133,000 |
| Equity capital | 15,166,000 | 15,381,000 | 15,472,000 | 15,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,351,000 | 2,667,000 | 4,016,000 | 5,348,000 |
| Interest expense | 331,000 | 652,000 | 944,000 | 1,200,000 |
| Net interest income | 1,020,000 | 2,015,000 | 3,072,000 | 4,148,000 |
| Noninterest income | 117,000 | 265,000 | 420,000 | 513,000 |
| Noninterest expense | 958,000 | 1,898,000 | 2,856,000 | 3,863,000 |
| Provision for loan losses | 99,000 | 233,000 | 332,000 | 465,000 |
| Pretax income | 91,000 | 259,000 | 414,000 | 469,000 |
| Income tax | 28,000 | 85,000 | 133,000 | 82,000 |
| Net income | 63,000 | 174,000 | 281,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,713,000 | 15,100,000 | 15,303,000 | 15,410,000 |
| Total capital | 15,924,000 | 16,287,000 | 16,475,000 | 16,606,000 |
| Risk-weighted assets | 95,981,000 | 94,190,000 | 93,341,000 | 95,670,000 |
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