Call reports 2019
MOUNTAIN VALLEY BANK — 2019
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 205,122,000 | 228,493,000 | 235,402,000 | 237,706,000 |
| Total loans | 153,122,000 | 162,540,000 | 167,008,000 | 160,012,000 |
| Allowance for loan losses | 2,138,000 | 2,142,000 | 2,114,000 | 2,116,000 |
| Securities available for sale | 21,175,000 | 19,680,000 | 20,676,000 | 20,420,000 |
| Securities held to maturity | 6,192,000 | 6,023,000 | 5,752,000 | 5,385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,887,000 | 204,476,000 | 210,700,000 | 212,549,000 |
| Interest-bearing deposits | 138,706,000 | 161,297,000 | 158,880,000 | 162,511,000 |
| Noninterest-bearing deposits | 40,181,000 | 43,179,000 | 51,820,000 | 50,038,000 |
| Equity capital | 21,862,000 | 22,581,000 | 23,105,000 | 23,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,318,000 | 4,825,000 | 7,405,000 | 9,908,000 |
| Interest expense | 336,000 | 809,000 | 1,329,000 | 1,817,000 |
| Net interest income | 1,982,000 | 4,016,000 | 6,076,000 | 8,091,000 |
| Noninterest income | 240,000 | 525,000 | 835,000 | 1,193,000 |
| Noninterest expense | 1,483,000 | 3,057,000 | 4,758,000 | 6,423,000 |
| Provision for loan losses | 38,000 | 38,000 | 38,000 | 38,000 |
| Pretax income | 701,000 | 1,446,000 | 2,116,000 | 2,831,000 |
| Income tax | 151,000 | 315,000 | 462,000 | 621,000 |
| Net income | 550,000 | 1,131,000 | 1,654,000 | 2,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,904,000 | 21,260,000 | 21,862,000 | 22,498,000 |
| Total capital | 22,970,000 | 23,402,000 | 23,976,000 | 24,614,000 |
| Risk-weighted assets | 165,124,000 | 176,915,000 | 177,937,000 | 173,342,000 |