Call reports 2011
MOUNTAIN VALLEY BANK — 2011
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 96,225,000 | 95,456,000 | 94,857,000 | 97,139,000 |
| Total loans | 68,291,000 | 68,103,000 | 68,333,000 | 68,295,000 |
| Allowance for loan losses | 1,505,000 | 1,525,000 | 1,479,000 | 1,494,000 |
| Securities available for sale | 11,475,000 | 13,238,000 | 10,530,000 | 12,427,000 |
| Securities held to maturity | 3,687,000 | 3,607,000 | 3,976,000 | 4,502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,687,000 | 86,772,000 | 86,153,000 | 88,447,000 |
| Interest-bearing deposits | 76,290,000 | 73,310,000 | 73,106,000 | 75,662,000 |
| Noninterest-bearing deposits | 11,397,000 | 13,462,000 | 13,047,000 | 12,785,000 |
| Equity capital | 8,173,000 | 8,320,000 | 8,323,000 | 8,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,200,000 | 2,429,000 | 3,672,000 | 4,895,000 |
| Interest expense | 251,000 | 480,000 | 695,000 | 910,000 |
| Net interest income | 949,000 | 1,949,000 | 2,977,000 | 3,985,000 |
| Noninterest income | 132,000 | 227,000 | 328,000 | 452,000 |
| Noninterest expense | 850,000 | 1,643,000 | 2,500,000 | 3,379,000 |
| Provision for loan losses | 180,000 | 360,000 | 510,000 | 660,000 |
| Pretax income | 51,000 | 173,000 | 295,000 | 398,000 |
| Income tax | 8,000 | 44,000 | 84,000 | 121,000 |
| Net income | 43,000 | 129,000 | 211,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,142,000 | 8,229,000 | 8,210,000 | 8,277,000 |
| Total capital | 8,907,000 | 8,985,000 | 8,962,000 | 9,033,000 |
| Risk-weighted assets | 60,443,000 | 59,676,000 | 59,463,000 | 59,750,000 |