Call reports 2011
MIDDLETOWN VALLEY BANK — 2011
What MIDDLETOWN VALLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 146,258,000 | 144,044,000 | 140,822,000 | 145,903,000 |
| Total loans | 71,302,000 | 70,591,000 | 69,581,000 | 68,687,000 |
| Allowance for loan losses | 2,153,000 | 2,121,000 | 2,304,000 | 2,232,000 |
| Securities available for sale | 52,650,000 | 50,182,000 | 52,482,000 | 54,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,873,000 | 126,033,000 | 122,312,000 | 127,279,000 |
| Interest-bearing deposits | 91,572,000 | 87,096,000 | 83,570,000 | 85,059,000 |
| Noninterest-bearing deposits | 37,301,000 | 38,937,000 | 38,742,000 | 42,220,000 |
| Equity capital | 17,163,000 | 17,847,000 | 18,299,000 | 18,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,465,000 | 2,915,000 | 4,311,000 | 5,668,000 |
| Interest expense | 92,000 | 169,000 | 233,000 | 281,000 |
| Net interest income | 1,373,000 | 2,746,000 | 4,078,000 | 5,387,000 |
| Noninterest income | 213,000 | 401,000 | 567,000 | 608,000 |
| Noninterest expense | 849,000 | 1,774,000 | 2,647,000 | 3,769,000 |
| Provision for loan losses | 40,000 | 61,000 | 244,000 | 176,000 |
| Pretax income | 689,000 | 1,300,000 | 1,743,000 | 2,039,000 |
| Income tax | 384,000 | 576,000 | 742,000 | 793,000 |
| Net income | 305,000 | 724,000 | 1,001,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,419,000 | 17,741,000 | 17,922,000 | 18,071,000 |
| Total capital | 18,244,000 | 18,556,000 | 18,728,000 | 18,885,000 |
| Risk-weighted assets | 64,623,000 | 63,815,000 | 62,930,000 | 63,649,000 |