Call reports 2025
MOUNTAIN VALLEY BANK — 2025
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 554,884,000 | 555,711,000 | 558,929,000 | 562,231,000 |
| Total loans | 394,031,000 | 403,896,000 | 411,270,000 | 406,014,000 |
| Allowance for loan losses | 4,744,000 | 4,821,000 | 4,587,000 | 4,695,000 |
| Securities available for sale | 63,972,000 | 54,413,000 | 50,891,000 | 50,048,000 |
| Securities held to maturity | 52,021,000 | 51,270,000 | 50,840,000 | 48,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,583,000 | 448,486,000 | 450,205,000 | 453,153,000 |
| Interest-bearing deposits | 335,703,000 | 349,720,000 | 345,231,000 | 335,887,000 |
| Noninterest-bearing deposits | 100,880,000 | 98,766,000 | 104,974,000 | 117,266,000 |
| Equity capital | 54,005,000 | 55,349,000 | 56,773,000 | 57,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,253,000 | 14,605,000 | 21,984,000 | 29,572,000 |
| Interest expense | 2,817,000 | 5,541,000 | 8,159,000 | 10,584,000 |
| Net interest income | 4,436,000 | 9,064,000 | 13,825,000 | 18,988,000 |
| Noninterest income | 392,000 | 840,000 | 1,276,000 | 1,888,000 |
| Noninterest expense | 3,070,000 | 6,697,000 | 10,320,000 | 14,105,000 |
| Provision for loan losses | 610,000 | 742,000 | 516,000 | 665,000 |
| Pretax income | 1,348,000 | 2,688,000 | 4,260,000 | 6,226,000 |
| Income tax | 271,000 | 536,000 | 860,000 | 1,281,000 |
| Net income | 1,077,000 | 2,152,000 | 3,400,000 | 4,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,086,000 | 55,050,000 | 56,191,000 | 56,627,000 |