Call reports 2022
MOUNTAIN VALLEY BANK — 2022
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 496,677,000 | 478,597,000 | 470,911,000 | 482,099,000 |
| Total loans | 266,050,000 | 270,030,000 | 275,620,000 | 303,061,000 |
| Allowance for loan losses | 3,464,000 | 3,541,000 | 3,630,000 | 3,818,000 |
| Securities available for sale | 64,323,000 | 87,252,000 | 83,793,000 | 80,459,000 |
| Securities held to maturity | 59,243,000 | 59,078,000 | 58,626,000 | 57,504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,394,000 | 430,767,000 | 422,407,000 | 425,356,000 |
| Interest-bearing deposits | 344,298,000 | 329,907,000 | 316,596,000 | 314,813,000 |
| Noninterest-bearing deposits | 104,096,000 | 100,860,000 | 105,811,000 | 110,543,000 |
| Equity capital | 46,149,000 | 45,547,000 | 43,607,000 | 44,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,307,000 | 7,085,000 | 10,993,000 | 15,567,000 |
| Interest expense | 235,000 | 484,000 | 955,000 | 1,795,000 |
| Net interest income | 3,072,000 | 6,601,000 | 10,038,000 | 13,772,000 |
| Noninterest income | 356,000 | 736,000 | 1,078,000 | 1,515,000 |
| Noninterest expense | 2,827,000 | 5,627,000 | 9,087,000 | 12,753,000 |
| Provision for loan losses | 92,000 | 183,000 | 275,000 | 466,000 |
| Pretax income | 509,000 | 1,527,000 | 1,754,000 | 2,068,000 |
| Income tax | 128,000 | 354,000 | 386,000 | 461,000 |
| Net income | 381,000 | 1,173,000 | 1,368,000 | 1,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,717,000 | 46,552,000 | 46,787,000 | 47,068,000 |