Call reports 2005
MOUNTAIN VALLEY BANK — 2005
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 40,741,000 | 54,166,000 | 63,232,000 | 69,140,000 |
| Total loans | 33,270,000 | 45,370,000 | 53,447,000 | 58,813,000 |
| Allowance for loan losses | 183,000 | 228,000 | 279,000 | 459,000 |
| Securities available for sale | 1,762,000 | 1,779,000 | 1,771,000 | 1,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,543,000 | 39,797,000 | 50,667,000 | 56,348,000 |
| Interest-bearing deposits | 23,779,000 | 32,170,000 | 40,645,000 | 45,704,000 |
| Noninterest-bearing deposits | 7,764,000 | 7,627,000 | 10,022,000 | 10,644,000 |
| Equity capital | 6,928,000 | 7,026,000 | 7,174,000 | 7,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 658,000 | 1,553,000 | 2,464,000 | 3,570,000 |
| Interest expense | 119,000 | 314,000 | 660,000 | 1,007,000 |
| Net interest income | 539,000 | 1,239,000 | 1,804,000 | 2,563,000 |
| Noninterest income | 43,000 | 105,000 | 403,000 | 594,000 |
| Noninterest expense | 579,000 | 1,252,000 | 1,975,000 | 2,717,000 |
| Provision for loan losses | 46,000 | 93,000 | 198,000 | 384,000 |
| Pretax income | -43,000 | -1,000 | 34,000 | 56,000 |
| Income tax | -18,000 | -12,000 | -9,000 | -10,000 |
| Net income | -25,000 | 11,000 | 43,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,472,000 | 6,568,000 | 6,731,000 | 6,838,000 |
| Total capital | 6,655,000 | 6,796,000 | 7,010,000 | 7,297,000 |
| Risk-weighted assets | 35,171,000 | 48,246,000 | 57,040,000 | 61,759,000 |