Call reports 2007
MOUNTAIN VALLEY BANK — 2007
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 98,691,000 | 109,065,000 | 119,136,000 | 118,307,000 |
| Total loans | 82,349,000 | 97,426,000 | 100,729,000 | 98,302,000 |
| Allowance for loan losses | 686,000 | 807,000 | 940,000 | 1,105,000 |
| Securities available for sale | 4,380,000 | 4,384,000 | 3,398,000 | 4,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,628,000 | 90,643,000 | 105,020,000 | 103,857,000 |
| Interest-bearing deposits | 72,149,000 | 75,959,000 | 83,616,000 | 85,374,000 |
| Noninterest-bearing deposits | 13,479,000 | 14,684,000 | 21,404,000 | 18,483,000 |
| Equity capital | 9,897,000 | 10,231,000 | 11,042,000 | 11,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,840,000 | 3,878,000 | 6,109,000 | 8,422,000 |
| Interest expense | 733,000 | 1,527,000 | 2,413,000 | 3,347,000 |
| Net interest income | 1,107,000 | 2,351,000 | 3,696,000 | 5,075,000 |
| Noninterest income | 242,000 | 496,000 | 711,000 | 910,000 |
| Noninterest expense | 946,000 | 1,865,000 | 2,823,000 | 3,805,000 |
| Provision for loan losses | 120,000 | 240,000 | 405,000 | 570,000 |
| Pretax income | 283,000 | 742,000 | 1,179,000 | 1,610,000 |
| Income tax | 86,000 | 213,000 | 335,000 | 431,000 |
| Net income | 197,000 | 529,000 | 844,000 | 1,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,451,000 | 9,793,000 | 10,606,000 | 11,071,000 |
| Total capital | 10,137,000 | 10,600,000 | 11,546,000 | 12,176,000 |
| Risk-weighted assets | 86,784,000 | 99,264,000 | 104,934,000 | 102,824,000 |