Call reports 2017
MOUNTAIN VALLEY BANK — 2017
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 95,271,000 | 97,030,000 | 96,628,000 | 98,572,000 |
| Total loans | 62,848,000 | 65,084,000 | 68,501,000 | 70,629,000 |
| Allowance for loan losses | 610,000 | 614,000 | 558,000 | 550,000 |
| Securities available for sale | 19,868,000 | 19,188,000 | 18,336,000 | 17,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,345,000 | 87,968,000 | 87,491,000 | 89,614,000 |
| Interest-bearing deposits | 73,078,000 | 74,976,000 | 75,129,000 | 76,543,000 |
| Noninterest-bearing deposits | 13,267,000 | 12,992,000 | 12,362,000 | 13,071,000 |
| Equity capital | 8,756,000 | 8,880,000 | 8,915,000 | 8,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 992,000 | 2,012,000 | 3,054,000 | 4,171,000 |
| Interest expense | 78,000 | 151,000 | 230,000 | 314,000 |
| Net interest income | 914,000 | 1,861,000 | 2,824,000 | 3,857,000 |
| Noninterest income | 106,000 | 221,000 | 329,000 | 399,000 |
| Noninterest expense | 924,000 | 1,788,000 | 2,718,000 | 3,637,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 190,000 |
| Pretax income | 51,000 | 193,000 | 289,000 | 418,000 |
| Income tax | -2,000 | 42,000 | 66,000 | 256,000 |
| Net income | 53,000 | 151,000 | 223,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,864,000 | 8,931,000 | 8,973,000 | 8,926,000 |
| Total capital | 9,474,000 | 9,545,000 | 9,531,000 | 9,476,000 |
| Risk-weighted assets | 57,149,000 | 58,834,000 | 62,164,000 | 62,036,000 |