Call reports 2013
MOUNTAIN VALLEY COMMUNITY BANK — 2013
What MOUNTAIN VALLEY COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 143,203,000 | 142,360,000 | 148,593,000 | 152,255,000 |
| Total loans | 77,983,000 | 82,362,000 | 84,728,000 | 84,568,000 |
| Allowance for loan losses | 1,324,000 | 1,140,000 | 1,244,000 | 1,341,000 |
| Securities available for sale | 30,363,000 | 29,468,000 | 28,472,000 | 29,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,000,000 | 118,306,000 | 122,799,000 | 127,022,000 |
| Interest-bearing deposits | 96,665,000 | 96,051,000 | 97,914,000 | 98,583,000 |
| Noninterest-bearing deposits | 20,334,000 | 22,255,000 | 24,886,000 | 28,439,000 |
| Equity capital | 15,615,000 | 14,941,000 | 14,493,000 | 14,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,399,000 | 2,817,000 | 4,214,000 | 5,650,000 |
| Interest expense | 232,000 | 456,000 | 680,000 | 898,000 |
| Net interest income | 1,167,000 | 2,361,000 | 3,534,000 | 4,752,000 |
| Noninterest income | 96,000 | 259,000 | 444,000 | 614,000 |
| Noninterest expense | 1,051,000 | 2,111,000 | 3,196,000 | 4,214,000 |
| Provision for loan losses | 71,000 | 134,000 | 234,000 | 323,000 |
| Pretax income | 141,000 | 375,000 | 548,000 | 829,000 |
| Income tax | 32,000 | 100,000 | 150,000 | 234,000 |
| Net income | 109,000 | 275,000 | 398,000 | 595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,517,000 | 15,685,000 | 15,190,000 | 16,012,000 |
| Total capital | 16,706,000 | 16,825,000 | 16,434,000 | 17,291,000 |
| Risk-weighted assets | 94,968,000 | 98,586,000 | 101,918,000 | 103,260,000 |
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