Call reports 2014
MOUNTAIN VALLEY COMMUNITY BANK — 2014
What MOUNTAIN VALLEY COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 155,195,000 | 160,227,000 | 162,706,000 | 163,611,000 |
| Total loans | 84,526,000 | 87,151,000 | 92,141,000 | 93,672,000 |
| Allowance for loan losses | 1,420,000 | 1,416,000 | 1,441,000 | 1,459,000 |
| Securities available for sale | 32,020,000 | 33,346,000 | 33,451,000 | 34,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,426,000 | 132,729,000 | 135,010,000 | 134,767,000 |
| Interest-bearing deposits | 101,434,000 | 102,662,000 | 102,609,000 | 101,304,000 |
| Noninterest-bearing deposits | 28,992,000 | 30,067,000 | 32,401,000 | 33,464,000 |
| Equity capital | 14,970,000 | 15,733,000 | 16,050,000 | 16,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,419,000 | 2,945,000 | 4,466,000 | 6,019,000 |
| Interest expense | 186,000 | 392,000 | 598,000 | 759,000 |
| Net interest income | 1,233,000 | 2,553,000 | 3,868,000 | 5,260,000 |
| Noninterest income | 167,000 | 337,000 | 311,000 | 416,000 |
| Noninterest expense | 1,073,000 | 2,166,000 | 3,180,000 | 4,299,000 |
| Provision for loan losses | 77,000 | 119,000 | 152,000 | 162,000 |
| Pretax income | 250,000 | 613,000 | 854,000 | 1,223,000 |
| Income tax | 61,000 | 178,000 | 247,000 | 328,000 |
| Net income | 189,000 | 435,000 | 607,000 | 895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,200,000 | 16,446,000 | 16,619,000 | 16,913,000 |
| Total capital | 17,506,000 | 17,786,000 | 18,045,000 | 18,333,000 |
| Risk-weighted assets | 104,363,000 | 107,165,000 | 113,999,000 | 113,531,000 |
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