Call reports 2015
MIDDLETOWN VALLEY BANK — 2015
What MIDDLETOWN VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 185,077,000 | 202,949,000 | 215,158,000 | 238,088,000 |
| Total loans | 121,544,000 | 129,077,000 | 143,145,000 | 163,285,000 |
| Allowance for loan losses | 1,684,000 | 1,866,000 | 1,927,000 | 2,150,000 |
| Securities available for sale | 40,926,000 | 51,175,000 | 45,839,000 | 47,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,483,000 | 169,054,000 | 179,790,000 | 202,956,000 |
| Interest-bearing deposits | 109,592,000 | 116,056,000 | 123,984,000 | 135,182,000 |
| Noninterest-bearing deposits | 49,891,000 | 52,998,000 | 55,806,000 | 67,774,000 |
| Equity capital | 23,865,000 | 24,751,000 | 25,125,000 | 24,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,539,000 | 3,146,000 | 4,934,000 | 6,896,000 |
| Interest expense | 59,000 | 126,000 | 218,000 | 339,000 |
| Net interest income | 1,480,000 | 3,020,000 | 4,716,000 | 6,557,000 |
| Noninterest income | 242,000 | 495,000 | 699,000 | 928,000 |
| Noninterest expense | 1,536,000 | 2,941,000 | 4,479,000 | 6,645,000 |
| Provision for loan losses | -97,000 | 89,000 | 191,000 | 425,000 |
| Pretax income | 283,000 | 481,000 | 741,000 | 435,000 |
| Income tax | 82,000 | 129,000 | 205,000 | 69,000 |
| Net income | 201,000 | 352,000 | 536,000 | 366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,831,000 | 24,929,000 | 25,087,000 | 24,891,000 |
| Total capital | 25,244,000 | 26,453,000 | 26,785,000 | 26,839,000 |
| Risk-weighted assets | 112,579,000 | 121,404,000 | 135,390,000 | 155,367,000 |