Call reports 2016
MOUNTAIN VALLEY COMMUNITY BANK — 2016
What MOUNTAIN VALLEY COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 172,718,000 | 176,666,000 | 182,790,000 | 202,470,000 |
| Total loans | 95,469,000 | 103,255,000 | 106,491,000 | 106,682,000 |
| Allowance for loan losses | 1,595,000 | 1,617,000 | 1,652,000 | 1,702,000 |
| Securities available for sale | 41,975,000 | 33,527,000 | 39,621,000 | 56,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,550,000 | 151,340,000 | 157,482,000 | 179,718,000 |
| Interest-bearing deposits | 105,621,000 | 107,682,000 | 111,056,000 | 111,386,000 |
| Noninterest-bearing deposits | 43,930,000 | 43,658,000 | 46,425,000 | 68,332,000 |
| Equity capital | 17,441,000 | 17,946,000 | 18,194,000 | 17,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,850,000 | 3,502,000 | 5,179,000 | 6,848,000 |
| Interest expense | 142,000 | 285,000 | 437,000 | 596,000 |
| Net interest income | 1,708,000 | 3,217,000 | 4,742,000 | 6,252,000 |
| Noninterest income | 157,000 | 459,000 | 703,000 | 893,000 |
| Noninterest expense | 1,272,000 | 2,587,000 | 3,877,000 | 5,198,000 |
| Provision for loan losses | 0 | 12,000 | 12,000 | 12,000 |
| Pretax income | 593,000 | 1,077,000 | 1,556,000 | 1,935,000 |
| Income tax | 198,000 | 341,000 | 496,000 | 607,000 |
| Net income | 395,000 | 736,000 | 1,060,000 | 1,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,227,000 | 17,568,000 | 17,892,000 | 18,191,000 |
| Total capital | 18,578,000 | 19,034,000 | 19,407,000 | 19,735,000 |
| Risk-weighted assets | 107,848,000 | 117,157,000 | 121,023,000 | 123,380,000 |