Call reports 2013
MOUNTAIN VALLEY BANK — 2013
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 153,279,000 | 148,792,000 | 150,941,000 | 157,119,000 |
| Total loans | 78,145,000 | 81,397,000 | 85,865,000 | 85,286,000 |
| Allowance for loan losses | 1,805,000 | 1,493,000 | 1,511,000 | 1,303,000 |
| Securities available for sale | 51,550,000 | 53,155,000 | 51,412,000 | 49,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,477,000 | 133,648,000 | 135,910,000 | 141,845,000 |
| Interest-bearing deposits | 113,829,000 | 112,596,000 | 111,543,000 | 115,715,000 |
| Noninterest-bearing deposits | 23,647,000 | 21,052,000 | 24,368,000 | 26,130,000 |
| Equity capital | 14,570,000 | 13,796,000 | 13,693,000 | 14,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,535,000 | 3,127,000 | 4,773,000 | 6,442,000 |
| Interest expense | 156,000 | 297,000 | 426,000 | 550,000 |
| Net interest income | 1,379,000 | 2,830,000 | 4,347,000 | 5,892,000 |
| Noninterest income | 130,000 | 269,000 | 403,000 | 543,000 |
| Noninterest expense | 1,242,000 | 2,503,000 | 3,846,000 | 5,306,000 |
| Provision for loan losses | 0 | -300,000 | -300,000 | -500,000 |
| Pretax income | 267,000 | 898,000 | 1,243,000 | 1,604,000 |
| Income tax | 81,000 | 217,000 | 346,000 | 469,000 |
| Net income | 186,000 | 681,000 | 897,000 | 1,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,482,000 | 14,977,000 | 15,112,000 | 15,351,000 |
| Total capital | 15,612,000 | 16,131,000 | 16,329,000 | 16,561,000 |
| Risk-weighted assets | 89,308,000 | 91,997,000 | 97,045,000 | 96,661,000 |