Call reports 2013
MIDDLETOWN VALLEY BANK — 2013
What MIDDLETOWN VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 156,398,000 | 158,164,000 | 156,264,000 | 160,224,000 |
| Total loans | 68,908,000 | 78,582,000 | 82,746,000 | 89,020,000 |
| Allowance for loan losses | 1,344,000 | 1,772,000 | 1,816,000 | 1,802,000 |
| Securities available for sale | 61,222,000 | 59,816,000 | 59,484,000 | 52,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,092,000 | 139,930,000 | 137,928,000 | 142,199,000 |
| Interest-bearing deposits | 95,064,000 | 95,795,000 | 95,767,000 | 97,089,000 |
| Noninterest-bearing deposits | 42,028,000 | 44,135,000 | 42,161,000 | 45,110,000 |
| Equity capital | 18,457,000 | 17,370,000 | 17,362,000 | 17,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,180,000 | 2,407,000 | 3,634,000 | 4,936,000 |
| Interest expense | 40,000 | 82,000 | 128,000 | 174,000 |
| Net interest income | 1,140,000 | 2,325,000 | 3,506,000 | 4,762,000 |
| Noninterest income | 221,000 | 413,000 | 634,000 | 859,000 |
| Noninterest expense | 1,263,000 | 2,488,000 | 3,714,000 | 4,966,000 |
| Provision for loan losses | -268,000 | 174,000 | 251,000 | 428,000 |
| Pretax income | 366,000 | 76,000 | 176,000 | 249,000 |
| Income tax | 96,000 | 48,000 | 69,000 | 88,000 |
| Net income | 270,000 | 28,000 | 107,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,296,000 | 18,042,000 | 17,985,000 | 17,957,000 |
| Total capital | 19,164,000 | 19,006,000 | 18,998,000 | 19,042,000 |
| Risk-weighted assets | 68,826,000 | 76,154,000 | 80,055,000 | 85,921,000 |