Call reports 2016
MOUNTAIN VALLEY BANK — 2016
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 149,498,000 | 157,289,000 | 166,055,000 | 173,339,000 |
| Total loans | 116,814,000 | 118,139,000 | 129,039,000 | 129,952,000 |
| Allowance for loan losses | 1,283,000 | 1,415,000 | 1,531,000 | 1,577,000 |
| Securities available for sale | 11,752,000 | 11,547,000 | 11,302,000 | 10,950,000 |
| Securities held to maturity | 9,122,000 | 8,675,000 | 8,477,000 | 7,909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,007,000 | 128,677,000 | 137,273,000 | 144,443,000 |
| Interest-bearing deposits | 102,794,000 | 102,860,000 | 103,840,000 | 112,712,000 |
| Noninterest-bearing deposits | 26,213,000 | 25,817,000 | 33,433,000 | 31,731,000 |
| Equity capital | 17,824,000 | 18,128,000 | 18,444,000 | 18,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,868,000 | 3,765,000 | 5,694,000 | 7,718,000 |
| Interest expense | 106,000 | 223,000 | 364,000 | 522,000 |
| Net interest income | 1,762,000 | 3,542,000 | 5,330,000 | 7,196,000 |
| Noninterest income | 149,000 | 302,000 | 412,000 | 504,000 |
| Noninterest expense | 1,331,000 | 2,636,000 | 3,864,000 | 5,126,000 |
| Provision for loan losses | 163,000 | 346,000 | 501,000 | 695,000 |
| Pretax income | 418,000 | 863,000 | 1,378,000 | 1,880,000 |
| Income tax | 128,000 | 286,000 | 459,000 | 627,000 |
| Net income | 290,000 | 577,000 | 919,000 | 1,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,576,000 | 16,910,000 | 17,299,000 | 17,504,000 |
| Total capital | 17,859,000 | 18,325,000 | 18,830,000 | 19,081,000 |
| Risk-weighted assets | 127,044,000 | 130,519,000 | 142,882,000 | 139,164,000 |