Call reports 2009
MOUNTAIN VALLEY BANK — 2009
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 100,576,000 | 97,265,000 | 96,607,000 | 99,242,000 |
| Total loans | 77,255,000 | 76,920,000 | 76,278,000 | 75,147,000 |
| Allowance for loan losses | 825,000 | 841,000 | 835,000 | 1,487,000 |
| Securities available for sale | 8,833,000 | 8,793,000 | 8,429,000 | 8,281,000 |
| Securities held to maturity | 2,282,000 | 2,325,000 | 2,226,000 | 2,332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,751,000 | 88,308,000 | 87,607,000 | 90,845,000 |
| Interest-bearing deposits | 77,006,000 | 75,335,000 | 74,944,000 | 77,696,000 |
| Noninterest-bearing deposits | 14,745,000 | 12,973,000 | 12,663,000 | 13,149,000 |
| Equity capital | 8,362,000 | 8,310,000 | 8,460,000 | 7,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,640,000 | 3,220,000 | 4,904,000 | 6,400,000 |
| Interest expense | 552,000 | 1,052,000 | 1,491,000 | 1,890,000 |
| Net interest income | 1,088,000 | 2,168,000 | 3,413,000 | 4,510,000 |
| Noninterest income | 141,000 | 336,000 | 477,000 | 626,000 |
| Noninterest expense | 912,000 | 1,758,000 | 2,839,000 | 3,937,000 |
| Provision for loan losses | 105,000 | 235,000 | 385,000 | 1,190,000 |
| Pretax income | 212,000 | 511,000 | 666,000 | 9,000 |
| Income tax | 75,000 | 185,000 | 234,000 | -21,000 |
| Net income | 137,000 | 326,000 | 432,000 | 30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,288,000 | 8,296,000 | 8,402,000 | 7,909,000 |
| Total capital | 9,113,000 | 9,116,000 | 9,229,000 | 8,729,000 |
| Risk-weighted assets | 66,273,000 | 65,824,000 | 66,161,000 | 64,948,000 |