Call reports 2010
MOUNTAIN VALLEY BANK — 2010
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 148,544,000 | 147,572,000 | 146,570,000 | 144,152,000 |
| Total loans | 127,714,000 | 127,935,000 | 123,710,000 | 110,545,000 |
| Allowance for loan losses | 2,421,000 | 2,203,000 | 2,292,000 | 1,823,000 |
| Securities available for sale | 3,005,000 | 6,031,000 | 9,091,000 | 17,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,934,000 | 129,047,000 | 127,840,000 | 125,186,000 |
| Interest-bearing deposits | 113,484,000 | 114,744,000 | 111,233,000 | 104,626,000 |
| Noninterest-bearing deposits | 14,450,000 | 14,303,000 | 16,608,000 | 20,559,000 |
| Equity capital | 13,854,000 | 14,046,000 | 14,267,000 | 13,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,067,000 | 4,145,000 | 6,161,000 | 8,066,000 |
| Interest expense | 526,000 | 992,000 | 1,426,000 | 1,766,000 |
| Net interest income | 1,541,000 | 3,153,000 | 4,735,000 | 6,300,000 |
| Noninterest income | 193,000 | 361,000 | 550,000 | 789,000 |
| Noninterest expense | 1,311,000 | 2,621,000 | 3,929,000 | 5,667,000 |
| Provision for loan losses | 260,000 | 395,000 | 530,000 | 665,000 |
| Pretax income | 163,000 | 498,000 | 826,000 | 757,000 |
| Income tax | 51,000 | 178,000 | 278,000 | 249,000 |
| Net income | 112,000 | 320,000 | 548,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,661,000 | 13,849,000 | 14,069,000 | 13,959,000 |
| Total capital | 15,247,000 | 15,426,000 | 15,605,000 | 15,364,000 |
| Risk-weighted assets | 126,087,000 | 125,536,000 | 122,092,000 | 111,982,000 |