Call reports 2017
MOUNTAIN VALLEY BANK — 2017
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 174,067,000 | 175,733,000 | 191,602,000 | 189,603,000 |
| Total loans | 127,406,000 | 136,768,000 | 137,679,000 | 133,138,000 |
| Allowance for loan losses | 1,588,000 | 1,707,000 | 1,928,000 | 1,958,000 |
| Securities available for sale | 10,762,000 | 10,089,000 | 10,400,000 | 13,698,000 |
| Securities held to maturity | 7,900,000 | 7,891,000 | 7,882,000 | 7,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,829,000 | 146,095,000 | 161,828,000 | 163,224,000 |
| Interest-bearing deposits | 113,833,000 | 115,283,000 | 124,627,000 | 126,082,000 |
| Noninterest-bearing deposits | 30,996,000 | 30,812,000 | 37,201,000 | 37,142,000 |
| Equity capital | 18,985,000 | 19,298,000 | 19,469,000 | 19,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,996,000 | 4,153,000 | 6,354,000 | 8,526,000 |
| Interest expense | 161,000 | 323,000 | 512,000 | 714,000 |
| Net interest income | 1,835,000 | 3,830,000 | 5,842,000 | 7,812,000 |
| Noninterest income | 139,000 | 228,000 | 382,000 | 568,000 |
| Noninterest expense | 1,292,000 | 2,613,000 | 3,878,000 | 5,208,000 |
| Provision for loan losses | 243,000 | 542,000 | 842,000 | 938,000 |
| Pretax income | 439,000 | 903,000 | 1,504,000 | 2,234,000 |
| Income tax | 144,000 | 293,000 | 497,000 | 1,201,000 |
| Net income | 295,000 | 610,000 | 1,007,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,578,000 | 17,956,000 | 18,216,000 | 18,106,000 |
| Total capital | 19,166,000 | 19,663,000 | 20,101,000 | 19,922,000 |
| Risk-weighted assets | 136,911,000 | 144,753,000 | 150,726,000 | 145,122,000 |