Call reports 2012
MOUNTAIN VALLEY BANK — 2012
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 99,739,000 | 100,916,000 | 99,367,000 | 99,336,000 |
| Total loans | 67,965,000 | 67,443,000 | 68,187,000 | 67,001,000 |
| Allowance for loan losses | 1,543,000 | 1,587,000 | 1,616,000 | 1,504,000 |
| Securities available for sale | 11,987,000 | 13,829,000 | 13,725,000 | 11,876,000 |
| Securities held to maturity | 4,757,000 | 5,300,000 | 5,610,000 | 5,740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,918,000 | 92,022,000 | 90,393,000 | 90,377,000 |
| Interest-bearing deposits | 77,161,000 | 78,365,000 | 77,405,000 | 78,176,000 |
| Noninterest-bearing deposits | 13,758,000 | 13,657,000 | 12,988,000 | 12,201,000 |
| Equity capital | 8,431,000 | 8,488,000 | 8,528,000 | 8,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,220,000 | 2,393,000 | 3,584,000 | 4,756,000 |
| Interest expense | 209,000 | 407,000 | 598,000 | 762,000 |
| Net interest income | 1,011,000 | 1,986,000 | 2,986,000 | 3,994,000 |
| Noninterest income | 87,000 | 184,000 | 301,000 | 414,000 |
| Noninterest expense | 867,000 | 1,723,000 | 2,517,000 | 3,448,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 81,000 | 147,000 | 320,000 | 410,000 |
| Income tax | 12,000 | 29,000 | 93,000 | 116,000 |
| Net income | 69,000 | 118,000 | 227,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,346,000 | 8,395,000 | 8,404,000 | 8,470,000 |
| Total capital | 9,092,000 | 9,140,000 | 9,161,000 | 9,212,000 |
| Risk-weighted assets | 58,883,000 | 58,782,000 | 59,713,000 | 58,596,000 |