Call reports 2014
MOUNTAIN VALLEY BANK — 2014
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 92,855,000 | 91,318,000 | 89,830,000 | 91,418,000 |
| Total loans | 61,850,000 | 61,014,000 | 59,697,000 | 57,765,000 |
| Allowance for loan losses | 1,148,000 | 1,108,000 | 1,034,000 | 938,000 |
| Securities available for sale | 12,393,000 | 12,910,000 | 13,651,000 | 14,031,000 |
| Securities held to maturity | 5,856,000 | 5,513,000 | 5,292,000 | 5,544,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,136,000 | 82,482,000 | 80,872,000 | 82,623,000 |
| Interest-bearing deposits | 70,888,000 | 69,442,000 | 68,281,000 | 69,901,000 |
| Noninterest-bearing deposits | 13,248,000 | 13,040,000 | 12,591,000 | 12,722,000 |
| Equity capital | 8,403,000 | 8,486,000 | 8,557,000 | 8,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 980,000 | 1,940,000 | 2,875,000 | 3,814,000 |
| Interest expense | 83,000 | 165,000 | 242,000 | 317,000 |
| Net interest income | 897,000 | 1,775,000 | 2,633,000 | 3,497,000 |
| Noninterest income | 35,000 | 153,000 | 226,000 | 313,000 |
| Noninterest expense | 855,000 | 1,748,000 | 2,579,000 | 3,527,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 272,000 |
| Pretax income | 17,000 | 60,000 | 160,000 | 11,000 |
| Income tax | -11,000 | -5,000 | 18,000 | -49,000 |
| Net income | 28,000 | 65,000 | 142,000 | 60,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,480,000 | 8,516,000 | 8,593,000 | 8,512,000 |
| Total capital | 9,181,000 | 9,202,000 | 9,276,000 | 9,173,000 |
| Risk-weighted assets | 55,655,000 | 54,434,000 | 54,322,000 | 52,594,000 |