Call reports 2011
MOUNTAIN VALLEY BANK — 2011
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 142,681,000 | 144,624,000 | 142,064,000 | 146,197,000 |
| Total loans | 106,543,000 | 105,703,000 | 96,471,000 | 91,104,000 |
| Allowance for loan losses | 1,815,000 | 2,026,000 | 1,579,000 | 1,916,000 |
| Securities available for sale | 19,964,000 | 26,181,000 | 29,891,000 | 29,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,395,000 | 127,299,000 | 125,033,000 | 128,726,000 |
| Interest-bearing deposits | 107,223,000 | 111,041,000 | 105,231,000 | 108,069,000 |
| Noninterest-bearing deposits | 18,172,000 | 16,257,000 | 19,802,000 | 20,657,000 |
| Equity capital | 14,153,000 | 14,243,000 | 14,477,000 | 14,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,769,000 | 3,598,000 | 5,418,000 | 7,174,000 |
| Interest expense | 260,000 | 487,000 | 695,000 | 890,000 |
| Net interest income | 1,509,000 | 3,111,000 | 4,723,000 | 6,284,000 |
| Noninterest income | 148,000 | 303,000 | 456,000 | 604,000 |
| Noninterest expense | 1,305,000 | 2,821,000 | 4,429,000 | 5,925,000 |
| Provision for loan losses | 135,000 | 585,000 | 675,000 | 1,060,000 |
| Pretax income | 217,000 | 16,000 | 83,000 | 129,000 |
| Income tax | 73,000 | 3,000 | 22,000 | -100,000 |
| Net income | 144,000 | 13,000 | 61,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,112,000 | 13,990,000 | 13,997,000 | 14,165,000 |
| Total capital | 15,491,000 | 15,361,000 | 15,307,000 | 15,391,000 |
| Risk-weighted assets | 109,890,000 | 109,053,000 | 104,542,000 | 97,844,000 |