Call reports 2013
MOUNTAIN VALLEY BANK — 2013
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 97,135,000 | 94,107,000 | 93,512,000 | 93,995,000 |
| Total loans | 66,543,000 | 64,138,000 | 64,106,000 | 62,246,000 |
| Allowance for loan losses | 1,383,000 | 1,210,000 | 1,154,000 | 1,154,000 |
| Securities available for sale | 13,289,000 | 12,617,000 | 12,074,000 | 12,330,000 |
| Securities held to maturity | 6,019,000 | 6,061,000 | 5,926,000 | 5,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,175,000 | 85,337,000 | 84,593,000 | 85,316,000 |
| Interest-bearing deposits | 75,311,000 | 71,889,000 | 71,583,000 | 72,561,000 |
| Noninterest-bearing deposits | 12,864,000 | 13,449,000 | 13,010,000 | 12,755,000 |
| Equity capital | 8,637,000 | 8,361,000 | 8,448,000 | 8,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,111,000 | 2,192,000 | 3,283,000 | 4,271,000 |
| Interest expense | 140,000 | 270,000 | 388,000 | 489,000 |
| Net interest income | 971,000 | 1,922,000 | 2,895,000 | 3,782,000 |
| Noninterest income | 78,000 | 105,000 | 198,000 | 274,000 |
| Noninterest expense | 887,000 | 1,859,000 | 2,759,000 | 3,779,000 |
| Provision for loan losses | 60,000 | 273,000 | 333,000 | 393,000 |
| Pretax income | 102,000 | -105,000 | 1,000 | -116,000 |
| Income tax | 16,000 | -51,000 | -40,000 | -97,000 |
| Net income | 86,000 | -54,000 | 41,000 | -19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,556,000 | 8,417,000 | 8,511,000 | 8,451,000 |
| Total capital | 9,307,000 | 9,151,000 | 9,245,000 | 9,161,000 |
| Risk-weighted assets | 59,481,000 | 58,264,000 | 58,296,000 | 56,389,000 |