Call reports 2015
MOUNTAIN VALLEY COMMUNITY BANK — 2015
What MOUNTAIN VALLEY COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 163,157,000 | 164,763,000 | 170,173,000 | 180,407,000 |
| Total loans | 93,443,000 | 92,239,000 | 88,615,000 | 89,011,000 |
| Allowance for loan losses | 1,543,000 | 1,576,000 | 1,744,000 | 1,594,000 |
| Securities available for sale | 37,988,000 | 37,048,000 | 39,184,000 | 47,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,919,000 | 141,559,000 | 144,294,000 | 155,134,000 |
| Interest-bearing deposits | 104,010,000 | 102,987,000 | 105,278,000 | 104,511,000 |
| Noninterest-bearing deposits | 36,909,000 | 38,573,000 | 39,016,000 | 50,623,000 |
| Equity capital | 16,426,000 | 16,329,000 | 17,056,000 | 17,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,523,000 | 3,124,000 | 4,804,000 | 6,833,000 |
| Interest expense | 150,000 | 292,000 | 439,000 | 587,000 |
| Net interest income | 1,373,000 | 2,832,000 | 4,365,000 | 6,246,000 |
| Noninterest income | 165,000 | 370,000 | 462,000 | 599,000 |
| Noninterest expense | 1,148,000 | 2,322,000 | 3,426,000 | 4,681,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 387,000 | 877,000 | 1,398,000 | 2,158,000 |
| Income tax | 95,000 | 206,000 | 336,000 | 595,000 |
| Net income | 292,000 | 671,000 | 1,062,000 | 1,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,304,000 | 16,683,000 | 17,074,000 | 17,583,000 |
| Total capital | 17,755,000 | 18,025,000 | 18,388,000 | 18,909,000 |
| Risk-weighted assets | 116,064,000 | 107,110,000 | 104,713,000 | 105,941,000 |