Call reports 2001
MOUNTAIN VALLEY BANK — 2001
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 48,546,000 | 47,941,000 | 48,679,000 | 51,008,000 |
| Total loans | 30,491,000 | 31,083,000 | 31,368,000 | 31,804,000 |
| Allowance for loan losses | 314,000 | 342,000 | 272,000 | 309,000 |
| Securities available for sale | 3,295,000 | 3,283,000 | 3,478,000 | 3,153,000 |
| Securities held to maturity | 5,756,000 | 6,479,000 | 6,191,000 | 7,344,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,679,000 | 39,722,000 | 40,404,000 | 42,654,000 |
| Interest-bearing deposits | 34,601,000 | 34,104,000 | 35,287,000 | 37,306,000 |
| Noninterest-bearing deposits | 6,078,000 | 5,618,000 | 5,117,000 | 5,348,000 |
| Equity capital | 7,486,000 | 7,591,000 | 7,780,000 | 7,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 937,000 | 1,878,000 | 2,805,000 | 3,725,000 |
| Interest expense | 407,000 | 813,000 | 1,181,000 | 1,512,000 |
| Net interest income | 530,000 | 1,065,000 | 1,624,000 | 2,213,000 |
| Noninterest income | 179,000 | 481,000 | 568,000 | 653,000 |
| Noninterest expense | 392,000 | 780,000 | 1,151,000 | 1,598,000 |
| Provision for loan losses | 17,000 | 39,000 | 65,000 | 140,000 |
| Pretax income | 300,000 | 727,000 | 976,000 | 1,128,000 |
| Income tax | 102,000 | 253,000 | 335,000 | 381,000 |
| Net income | 198,000 | 474,000 | 641,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,464,000 | 7,574,000 | 7,739,000 | 7,664,000 |
| Total capital | 7,778,000 | 7,916,000 | 8,011,000 | 7,973,000 |
| Risk-weighted assets | 31,331,000 | 32,514,000 | 33,207,000 | 34,375,000 |