Call reports 2014
MOUNTAIN VALLEY BANK — 2014
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 155,723,000 | 151,527,000 | 156,357,000 | 166,973,000 |
| Total loans | 81,619,000 | 85,354,000 | 102,502,000 | 103,038,000 |
| Allowance for loan losses | 1,311,000 | 0 | 124,000 | 225,000 |
| Securities available for sale | 50,293,000 | 25,389,000 | 24,879,000 | 21,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,640,000 | 133,399,000 | 138,505,000 | 148,345,000 |
| Interest-bearing deposits | 114,040,000 | 108,733,000 | 111,724,000 | 118,620,000 |
| Noninterest-bearing deposits | 25,600,000 | 24,666,000 | 26,781,000 | 29,725,000 |
| Equity capital | 14,715,000 | 16,357,000 | 16,665,000 | 17,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,567,000 | 17,000 | 1,644,000 | 3,309,000 |
| Interest expense | 120,000 | 1,000 | 117,000 | 238,000 |
| Net interest income | 1,447,000 | 16,000 | 1,527,000 | 3,071,000 |
| Noninterest income | 116,000 | -14,000 | 131,000 | 319,000 |
| Noninterest expense | 1,241,000 | 8,000 | 1,162,000 | 2,644,000 |
| Provision for loan losses | 0 | 0 | 135,000 | 371,000 |
| Pretax income | 231,000 | -6,000 | 360,000 | 415,000 |
| Income tax | 50,000 | 0 | 123,000 | 140,000 |
| Net income | 181,000 | -6,000 | 237,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,450,000 | 13,149,000 | 13,653,000 | 14,419,000 |
| Total capital | 16,610,000 | 13,149,000 | 13,777,000 | 14,644,000 |
| Risk-weighted assets | 92,580,000 | 91,373,000 | 105,466,000 | 105,730,000 |