Call reports 2016
MIDDLETOWN VALLEY BANK — 2016
What MIDDLETOWN VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 260,414,000 | 273,763,000 | 276,953,000 | 282,903,000 |
| Total loans | 173,370,000 | 188,482,000 | 200,623,000 | 211,104,000 |
| Allowance for loan losses | 2,388,000 | 2,501,000 | 2,416,000 | 2,527,000 |
| Securities available for sale | 49,278,000 | 52,364,000 | 46,399,000 | 45,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,144,000 | 242,056,000 | 249,954,000 | 250,981,000 |
| Interest-bearing deposits | 156,331,000 | 164,284,000 | 168,313,000 | 164,905,000 |
| Noninterest-bearing deposits | 72,813,000 | 77,772,000 | 81,641,000 | 86,076,000 |
| Equity capital | 25,045,000 | 25,357,000 | 25,676,000 | 25,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,090,000 | 4,314,000 | 6,732,000 | 9,250,000 |
| Interest expense | 153,000 | 319,000 | 497,000 | 677,000 |
| Net interest income | 1,937,000 | 3,995,000 | 6,235,000 | 8,573,000 |
| Noninterest income | 216,000 | 473,000 | 676,000 | 965,000 |
| Noninterest expense | 1,846,000 | 3,768,000 | 5,579,000 | 7,798,000 |
| Provision for loan losses | 244,000 | 387,000 | 346,000 | 464,000 |
| Pretax income | 63,000 | 314,000 | 986,000 | 1,276,000 |
| Income tax | -12,000 | 55,000 | 301,000 | 383,000 |
| Net income | 75,000 | 259,000 | 685,000 | 893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,941,000 | 25,099,000 | 25,500,000 | 25,681,000 |
| Total capital | 27,014,000 | 27,331,000 | 27,828,000 | 28,157,000 |
| Risk-weighted assets | 165,221,000 | 177,956,000 | 185,857,000 | 197,662,000 |