Call reports 2002
MOUNTAIN VALLEY BANK — 2002
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 13,162,000 | 13,295,000 | 13,046,000 | 13,138,000 |
| Total loans | 5,439,000 | 5,763,000 | 5,177,000 | 5,129,000 |
| Allowance for loan losses | 72,000 | 71,000 | 71,000 | 66,000 |
| Securities available for sale | 2,218,000 | 2,514,000 | 2,508,000 | 2,102,000 |
| Securities held to maturity | 2,912,000 | 2,398,000 | 2,398,000 | 1,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,972,000 | 12,102,000 | 11,845,000 | 11,950,000 |
| Interest-bearing deposits | 7,868,000 | 8,108,000 | 7,744,000 | 8,184,000 |
| Noninterest-bearing deposits | 4,104,000 | 3,994,000 | 4,101,000 | 3,766,000 |
| Equity capital | 1,151,000 | 1,146,000 | 1,157,000 | 1,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 190,000 | 369,000 | 539,000 | 699,000 |
| Interest expense | 56,000 | 114,000 | 162,000 | 204,000 |
| Net interest income | 134,000 | 255,000 | 377,000 | 495,000 |
| Noninterest income | 22,000 | 44,000 | 68,000 | 98,000 |
| Noninterest expense | 141,000 | 286,000 | 416,000 | 547,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 15,000 | 13,000 | 29,000 | 46,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 6,000 |
| Net income | 13,000 | 10,000 | 25,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,133,000 | 1,130,000 | 1,146,000 | 1,160,000 |
| Total capital | 1,205,000 | 1,201,000 | 1,217,000 | 1,226,000 |
| Risk-weighted assets | 6,253,000 | 6,558,000 | 5,792,000 | 5,873,000 |