Call reports 2018
MOUNTAIN VALLEY BANK — 2018
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 194,164,000 | 195,604,000 | 193,831,000 | 195,285,000 |
| Total loans | 132,981,000 | 137,590,000 | 137,805,000 | 145,202,000 |
| Allowance for loan losses | 1,942,000 | 2,097,000 | 2,123,000 | 2,146,000 |
| Securities available for sale | 19,765,000 | 20,533,000 | 19,969,000 | 20,636,000 |
| Securities held to maturity | 7,654,000 | 7,288,000 | 6,822,000 | 6,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,302,000 | 171,060,000 | 168,969,000 | 169,690,000 |
| Interest-bearing deposits | 133,205,000 | 137,170,000 | 129,979,000 | 128,663,000 |
| Noninterest-bearing deposits | 34,097,000 | 33,890,000 | 38,990,000 | 41,027,000 |
| Equity capital | 19,497,000 | 20,021,000 | 20,432,000 | 21,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,015,000 | 4,271,000 | 6,547,000 | 8,801,000 |
| Interest expense | 206,000 | 471,000 | 750,000 | 1,044,000 |
| Net interest income | 1,809,000 | 3,800,000 | 5,797,000 | 7,757,000 |
| Noninterest income | 230,000 | 534,000 | 768,000 | 1,044,000 |
| Noninterest expense | 1,327,000 | 2,702,000 | 4,175,000 | 5,675,000 |
| Provision for loan losses | 139,000 | 304,000 | 415,000 | 415,000 |
| Pretax income | 573,000 | 1,328,000 | 1,975,000 | 2,711,000 |
| Income tax | 164,000 | 330,000 | 472,000 | 636,000 |
| Net income | 409,000 | 998,000 | 1,503,000 | 2,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,372,000 | 19,039,000 | 19,624,000 | 20,276,000 |
| Total capital | 20,237,000 | 20,947,000 | 21,568,000 | 22,271,000 |
| Risk-weighted assets | 149,159,000 | 152,433,000 | 155,329,000 | 159,435,000 |