Call reports 2006
MOUNTAIN VALLEY BANK — 2006
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 75,899,000 | 81,090,000 | 89,881,000 | 93,470,000 |
| Total loans | 65,436,000 | 68,784,000 | 74,683,000 | 76,243,000 |
| Allowance for loan losses | 392,000 | 430,000 | 509,000 | 582,000 |
| Securities available for sale | 3,750,000 | 3,338,000 | 4,366,000 | 4,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,843,000 | 68,834,000 | 77,178,000 | 81,286,000 |
| Interest-bearing deposits | 52,676,000 | 56,331,000 | 61,704,000 | 66,966,000 |
| Noninterest-bearing deposits | 11,167,000 | 12,503,000 | 15,474,000 | 14,320,000 |
| Equity capital | 7,350,000 | 7,581,000 | 7,788,000 | 9,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,308,000 | 2,767,000 | 4,373,000 | 6,105,000 |
| Interest expense | 433,000 | 934,000 | 1,515,000 | 2,163,000 |
| Net interest income | 875,000 | 1,833,000 | 2,858,000 | 3,942,000 |
| Noninterest income | 173,000 | 345,000 | 557,000 | 842,000 |
| Noninterest expense | 788,000 | 1,605,000 | 2,484,000 | 3,402,000 |
| Provision for loan losses | 133,000 | 215,000 | 298,000 | 380,000 |
| Pretax income | 127,000 | 358,000 | 633,000 | 1,002,000 |
| Income tax | 35,000 | 106,000 | 193,000 | 311,000 |
| Net income | 92,000 | 252,000 | 440,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,874,000 | 7,124,000 | 7,322,000 | 8,605,000 |
| Total capital | 7,266,000 | 7,554,000 | 7,831,000 | 9,187,000 |
| Risk-weighted assets | 68,833,000 | 73,120,000 | 80,378,000 | 80,496,000 |
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