Call reports 2016
MOUNTAIN VALLEY BANK — 2016
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 93,587,000 | 93,627,000 | 93,426,000 | 94,190,000 |
| Total loans | 59,772,000 | 61,651,000 | 62,615,000 | 61,487,000 |
| Allowance for loan losses | 609,000 | 606,000 | 608,000 | 565,000 |
| Securities available for sale | 19,227,000 | 20,715,000 | 20,736,000 | 19,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,547,000 | 84,602,000 | 84,312,000 | 85,328,000 |
| Interest-bearing deposits | 71,818,000 | 71,820,000 | 71,087,000 | 73,232,000 |
| Noninterest-bearing deposits | 12,729,000 | 12,782,000 | 13,225,000 | 12,096,000 |
| Equity capital | 8,789,000 | 8,774,000 | 8,840,000 | 8,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 938,000 | 1,923,000 | 2,941,000 | 3,947,000 |
| Interest expense | 76,000 | 158,000 | 240,000 | 317,000 |
| Net interest income | 862,000 | 1,765,000 | 2,701,000 | 3,630,000 |
| Noninterest income | 125,000 | 183,000 | 280,000 | 393,000 |
| Noninterest expense | 866,000 | 1,789,000 | 2,685,000 | 3,527,000 |
| Provision for loan losses | 60,000 | 92,000 | 122,000 | 152,000 |
| Pretax income | 61,000 | 67,000 | 174,000 | 344,000 |
| Income tax | 5,000 | -9,000 | 18,000 | 69,000 |
| Net income | 56,000 | 76,000 | 156,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,742,000 | 8,722,000 | 8,782,000 | 8,841,000 |
| Total capital | 9,351,000 | 9,328,000 | 9,390,000 | 9,406,000 |
| Risk-weighted assets | 54,640,000 | 55,019,000 | 56,211,000 | 55,745,000 |