Call reports 2006
MOUNTAIN VALLEY BANK — 2006
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 81,264,000 | 80,915,000 | 81,103,000 | 85,017,000 |
| Total loans | 57,421,000 | 61,488,000 | 63,949,000 | 65,728,000 |
| Allowance for loan losses | 715,000 | 698,000 | 727,000 | 746,000 |
| Securities available for sale | 2,642,000 | 2,116,000 | 1,836,000 | 1,764,000 |
| Securities held to maturity | 10,084,000 | 10,342,000 | 9,731,000 | 9,192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,075,000 | 72,479,000 | 72,631,000 | 77,096,000 |
| Interest-bearing deposits | 60,583,000 | 59,221,000 | 61,450,000 | 64,590,000 |
| Noninterest-bearing deposits | 12,492,000 | 13,258,000 | 11,181,000 | 12,506,000 |
| Equity capital | 7,692,000 | 7,725,000 | 7,942,000 | 7,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,734,000 | 4,162,000 | 5,673,000 |
| Interest expense | 378,000 | 779,000 | 1,237,000 | 1,757,000 |
| Net interest income | 979,000 | 1,955,000 | 2,925,000 | 3,916,000 |
| Noninterest income | 112,000 | 260,000 | 449,000 | 684,000 |
| Noninterest expense | 746,000 | 1,433,000 | 2,168,000 | 2,949,000 |
| Provision for loan losses | 45,000 | 90,000 | 150,000 | 210,000 |
| Pretax income | 300,000 | 692,000 | 1,056,000 | 1,441,000 |
| Income tax | 104,000 | 243,000 | 368,000 | 510,000 |
| Net income | 196,000 | 449,000 | 688,000 | 931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,722,000 | 7,764,000 | 7,966,000 | 7,229,000 |
| Total capital | 8,386,000 | 8,452,000 | 8,681,000 | 7,975,000 |
| Risk-weighted assets | 53,045,000 | 55,061,000 | 57,200,000 | 59,695,000 |