Call reports 2014
MIDDLETOWN VALLEY BANK — 2014
What MIDDLETOWN VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 164,363,000 | 169,151,000 | 168,026,000 | 175,339,000 |
| Total loans | 92,700,000 | 99,992,000 | 107,187,000 | 111,678,000 |
| Allowance for loan losses | 1,506,000 | 1,597,000 | 1,571,000 | 1,584,000 |
| Securities available for sale | 54,239,000 | 52,824,000 | 41,009,000 | 37,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,612,000 | 150,073,000 | 148,644,000 | 151,158,000 |
| Interest-bearing deposits | 99,648,000 | 103,239,000 | 103,128,000 | 104,566,000 |
| Noninterest-bearing deposits | 45,964,000 | 46,834,000 | 45,516,000 | 46,592,000 |
| Equity capital | 17,646,000 | 18,046,000 | 18,122,000 | 20,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,329,000 | 2,693,000 | 4,105,000 | 5,590,000 |
| Interest expense | 44,000 | 86,000 | 131,000 | 179,000 |
| Net interest income | 1,285,000 | 2,607,000 | 3,974,000 | 5,411,000 |
| Noninterest income | 240,000 | 472,000 | 728,000 | 907,000 |
| Noninterest expense | 1,431,000 | 2,797,000 | 4,217,000 | 5,859,000 |
| Provision for loan losses | -262,000 | -169,000 | -198,000 | -222,000 |
| Pretax income | 356,000 | 451,000 | 701,000 | 671,000 |
| Income tax | 83,000 | 97,000 | 212,000 | 174,000 |
| Net income | 273,000 | 354,000 | 489,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,216,000 | 18,285,000 | 18,444,000 | 21,035,000 |
| Total capital | 19,345,000 | 19,481,000 | 19,698,000 | 22,323,000 |
| Risk-weighted assets | 89,743,000 | 95,128,000 | 99,845,000 | 102,576,000 |
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