Call reports 2007
MOUNTAIN VALLEY BANK — 2007
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 86,322,000 | 88,038,000 | 90,974,000 | 94,861,000 |
| Total loans | 66,877,000 | 71,360,000 | 75,375,000 | 76,478,000 |
| Allowance for loan losses | 749,000 | 772,000 | 788,000 | 821,000 |
| Securities available for sale | 2,533,000 | 3,730,000 | 3,805,000 | 6,169,000 |
| Securities held to maturity | 8,458,000 | 6,851,000 | 6,540,000 | 4,770,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,233,000 | 79,810,000 | 81,791,000 | 86,488,000 |
| Interest-bearing deposits | 65,178,000 | 66,978,000 | 70,103,000 | 74,058,000 |
| Noninterest-bearing deposits | 13,055,000 | 12,832,000 | 11,688,000 | 12,430,000 |
| Equity capital | 7,438,000 | 7,523,000 | 7,837,000 | 7,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,557,000 | 3,172,000 | 4,873,000 | 6,658,000 |
| Interest expense | 549,000 | 1,115,000 | 1,721,000 | 2,376,000 |
| Net interest income | 1,008,000 | 2,057,000 | 3,152,000 | 4,282,000 |
| Noninterest income | 203,000 | 428,000 | 668,000 | 907,000 |
| Noninterest expense | 798,000 | 1,555,000 | 2,370,000 | 3,276,000 |
| Provision for loan losses | 63,000 | 122,000 | 187,000 | 263,000 |
| Pretax income | 350,000 | 808,000 | 1,263,000 | 1,650,000 |
| Income tax | 125,000 | 292,000 | 458,000 | 599,000 |
| Net income | 225,000 | 516,000 | 805,000 | 1,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,454,000 | 7,560,000 | 7,849,000 | 7,656,000 |
| Total capital | 8,203,000 | 8,332,000 | 8,637,000 | 8,477,000 |
| Risk-weighted assets | 60,506,000 | 62,813,000 | 65,283,000 | 65,975,000 |