Call reports 2019
MIDDLETOWN VALLEY BANK — 2019
What MIDDLETOWN VALLEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 466,111,000 | 473,135,000 | 483,960,000 | 513,360,000 |
| Total loans | 367,088,000 | 388,788,000 | 413,429,000 | 432,193,000 |
| Allowance for loan losses | 3,654,000 | 3,825,000 | 4,013,000 | 4,235,000 |
| Securities available for sale | 46,958,000 | 45,809,000 | 37,128,000 | 42,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,710,000 | 423,945,000 | 434,070,000 | 448,798,000 |
| Interest-bearing deposits | 303,342,000 | 305,116,000 | 309,532,000 | 320,583,000 |
| Noninterest-bearing deposits | 114,368,000 | 118,829,000 | 124,538,000 | 128,215,000 |
| Equity capital | 43,650,000 | 44,405,000 | 45,148,000 | 59,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,878,000 | 10,233,000 | 15,562,000 | 21,059,000 |
| Interest expense | 1,020,000 | 2,112,000 | 3,179,000 | 4,244,000 |
| Net interest income | 3,858,000 | 8,121,000 | 12,383,000 | 16,815,000 |
| Noninterest income | 309,000 | 643,000 | 1,048,000 | 1,435,000 |
| Noninterest expense | 3,401,000 | 6,822,000 | 10,128,000 | 13,794,000 |
| Provision for loan losses | 68,000 | 342,000 | 536,000 | 763,000 |
| Pretax income | 698,000 | 1,600,000 | 2,767,000 | 3,692,000 |
| Income tax | 247,000 | 392,000 | 732,000 | 972,000 |
| Net income | 451,000 | 1,208,000 | 2,035,000 | 2,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,904,000 | 44,293,000 | 44,920,000 | 59,406,000 |
| Total capital | 48,198,000 | 48,834,000 | 49,638,000 | 64,374,000 |
| Risk-weighted assets | 348,576,000 | 368,130,000 | 391,252,000 | 413,500,000 |