Call reports 2015
MOUNTAIN VALLEY BANK — 2015
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 158,474,000 | 148,588,000 | 152,787,000 | 156,614,000 |
| Total loans | 96,166,000 | 106,031,000 | 111,910,000 | 117,751,000 |
| Allowance for loan losses | 409,000 | 544,000 | 660,000 | 1,124,000 |
| Securities available for sale | 22,194,000 | 16,850,000 | 16,650,000 | 16,089,000 |
| Securities held to maturity | 0 | 5,921,000 | 9,812,000 | 9,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,650,000 | 129,641,000 | 133,370,000 | 133,053,000 |
| Interest-bearing deposits | 111,758,000 | 106,123,000 | 107,245,000 | 105,471,000 |
| Noninterest-bearing deposits | 27,892,000 | 23,518,000 | 26,125,000 | 27,582,000 |
| Equity capital | 17,487,000 | 17,517,000 | 17,593,000 | 17,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,601,000 | 3,087,000 | 4,786,000 | 6,551,000 |
| Interest expense | 113,000 | 221,000 | 326,000 | 431,000 |
| Net interest income | 1,488,000 | 2,866,000 | 4,460,000 | 6,120,000 |
| Noninterest income | 52,000 | 177,000 | 409,000 | 448,000 |
| Noninterest expense | 1,268,000 | 2,476,000 | 3,790,000 | 4,998,000 |
| Provision for loan losses | 185,000 | 320,000 | 756,000 | 1,340,000 |
| Pretax income | 90,000 | 250,000 | 326,000 | 233,000 |
| Income tax | 27,000 | 75,000 | 93,000 | 72,000 |
| Net income | 63,000 | 175,000 | 233,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,029,000 | 16,361,000 | 16,450,000 | 16,410,000 |
| Total capital | 16,438,000 | 16,904,000 | 17,110,000 | 17,534,000 |
| Risk-weighted assets | 104,100,000 | 117,027,000 | 126,913,000 | 130,693,000 |