Call reports 2015
MOUNTAIN VALLEY BANK — 2015
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 91,880,000 | 93,490,000 | 94,368,000 | 95,575,000 |
| Total loans | 57,253,000 | 56,808,000 | 57,242,000 | 59,497,000 |
| Allowance for loan losses | 860,000 | 811,000 | 716,000 | 603,000 |
| Securities available for sale | 13,902,000 | 15,026,000 | 14,375,000 | 15,466,000 |
| Securities held to maturity | 5,483,000 | 4,799,000 | 4,677,000 | 4,509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,995,000 | 84,625,000 | 85,335,000 | 86,618,000 |
| Interest-bearing deposits | 69,554,000 | 70,693,000 | 71,413,000 | 73,320,000 |
| Noninterest-bearing deposits | 13,441,000 | 13,932,000 | 13,922,000 | 13,298,000 |
| Equity capital | 8,620,000 | 8,605,000 | 8,738,000 | 8,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 926,000 | 1,859,000 | 2,805,000 | 3,751,000 |
| Interest expense | 73,000 | 147,000 | 224,000 | 302,000 |
| Net interest income | 853,000 | 1,712,000 | 2,581,000 | 3,449,000 |
| Noninterest income | 67,000 | 140,000 | 262,000 | 363,000 |
| Noninterest expense | 814,000 | 1,680,000 | 2,518,000 | 3,514,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 76,000 | 112,000 | 235,000 | 178,000 |
| Income tax | 11,000 | 11,000 | 41,000 | 4,000 |
| Net income | 65,000 | 101,000 | 194,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,577,000 | 8,613,000 | 8,705,000 | 8,686,000 |
| Total capital | 9,227,000 | 9,268,000 | 9,365,000 | 9,289,000 |
| Risk-weighted assets | 51,795,000 | 52,228,000 | 52,738,000 | 53,851,000 |