Call reports 2012
MOUNTAIN VALLEY BANK — 2012
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 144,552,000 | 147,821,000 | 150,246,000 | 148,331,000 |
| Total loans | 86,372,000 | 81,086,000 | 80,252,000 | 78,507,000 |
| Allowance for loan losses | 1,728,000 | 1,878,000 | 1,859,000 | 1,799,000 |
| Securities available for sale | 43,637,000 | 51,629,000 | 51,703,000 | 53,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,363,000 | 132,171,000 | 133,168,000 | 132,723,000 |
| Interest-bearing deposits | 109,890,000 | 112,044,000 | 109,548,000 | 110,797,000 |
| Noninterest-bearing deposits | 19,473,000 | 20,127,000 | 23,620,000 | 21,926,000 |
| Equity capital | 14,319,000 | 14,581,000 | 14,481,000 | 14,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,719,000 | 3,383,000 | 4,959,000 | 6,548,000 |
| Interest expense | 180,000 | 360,000 | 534,000 | 703,000 |
| Net interest income | 1,539,000 | 3,023,000 | 4,425,000 | 5,845,000 |
| Noninterest income | 109,000 | 205,000 | 323,000 | 436,000 |
| Noninterest expense | 1,456,000 | 2,923,000 | 4,368,000 | 5,639,000 |
| Provision for loan losses | 488,000 | 488,000 | 488,000 | 488,000 |
| Pretax income | -32,000 | 81,000 | 207,000 | 469,000 |
| Income tax | -33,000 | -8,000 | 29,000 | 95,000 |
| Net income | 1,000 | 89,000 | 178,000 | 374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,085,000 | 14,173,000 | 14,181,000 | 14,378,000 |
| Total capital | 15,309,000 | 15,362,000 | 15,319,000 | 15,507,000 |
| Risk-weighted assets | 97,305,000 | 93,645,000 | 90,360,000 | 89,794,000 |