Call reports 2010
MOUNTAIN VALLEY BANK — 2010
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 97,752,000 | 96,242,000 | 96,383,000 | 97,681,000 |
| Total loans | 73,406,000 | 72,069,000 | 71,029,000 | 70,112,000 |
| Allowance for loan losses | 1,445,000 | 1,501,000 | 1,430,000 | 1,451,000 |
| Securities available for sale | 8,598,000 | 9,053,000 | 9,824,000 | 10,122,000 |
| Securities held to maturity | 2,914,000 | 3,019,000 | 3,444,000 | 3,650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,393,000 | 87,725,000 | 87,794,000 | 89,149,000 |
| Interest-bearing deposits | 76,599,000 | 74,595,000 | 75,328,000 | 77,434,000 |
| Noninterest-bearing deposits | 12,794,000 | 13,130,000 | 12,466,000 | 11,715,000 |
| Equity capital | 7,940,000 | 8,076,000 | 8,148,000 | 8,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,420,000 | 2,747,000 | 4,105,000 | 5,376,000 |
| Interest expense | 373,000 | 701,000 | 1,005,000 | 1,294,000 |
| Net interest income | 1,047,000 | 2,046,000 | 3,100,000 | 4,082,000 |
| Noninterest income | 120,000 | 285,000 | 390,000 | 512,000 |
| Noninterest expense | 1,039,000 | 1,886,000 | 2,758,000 | 3,615,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | -52,000 | 85,000 | 192,000 | 259,000 |
| Income tax | -32,000 | 14,000 | 51,000 | 69,000 |
| Net income | -20,000 | 71,000 | 141,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,889,000 | 7,980,000 | 8,050,000 | 8,099,000 |
| Total capital | 8,698,000 | 8,768,000 | 8,825,000 | 8,870,000 |
| Risk-weighted assets | 64,093,000 | 62,327,000 | 61,365,000 | 61,026,000 |