Call reports 2005
MOUNTAIN VALLEY BANK — 2005
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,947,000 | 73,553,000 | 75,542,000 | 78,856,000 |
| Total loans | 51,948,000 | 54,190,000 | 56,379,000 | 57,126,000 |
| Allowance for loan losses | 770,000 | 701,000 | 773,000 | 701,000 |
| Securities available for sale | 3,481,000 | 3,236,000 | 2,927,000 | 2,748,000 |
| Securities held to maturity | 7,654,000 | 7,385,000 | 7,439,000 | 8,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,160,000 | 64,731,000 | 66,657,000 | 69,821,000 |
| Interest-bearing deposits | 54,534,000 | 55,191,000 | 55,482,000 | 58,765,000 |
| Noninterest-bearing deposits | 10,626,000 | 9,540,000 | 11,175,000 | 11,056,000 |
| Equity capital | 8,470,000 | 8,314,000 | 8,492,000 | 8,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,158,000 | 2,336,000 | 3,613,000 | 4,891,000 |
| Interest expense | 271,000 | 585,000 | 928,000 | 1,295,000 |
| Net interest income | 887,000 | 1,751,000 | 2,685,000 | 3,596,000 |
| Noninterest income | 100,000 | 214,000 | 342,000 | 441,000 |
| Noninterest expense | 646,000 | 1,356,000 | 2,080,000 | 2,815,000 |
| Provision for loan losses | 75,000 | 135,000 | 190,000 | 235,000 |
| Pretax income | 266,000 | 474,000 | 757,000 | 987,000 |
| Income tax | 93,000 | 164,000 | 264,000 | 340,000 |
| Net income | 173,000 | 310,000 | 493,000 | 647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,493,000 | 8,320,000 | 8,503,000 | 8,448,000 |
| Total capital | 9,100,000 | 8,944,000 | 9,148,000 | 9,104,000 |
| Risk-weighted assets | 48,409,000 | 49,822,000 | 51,469,000 | 52,407,000 |