Call reports 2018
MOUNTAIN VALLEY BANK — 2018
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 99,575,000 | 101,015,000 | 101,733,000 | 103,785,000 |
| Total loans | 72,609,000 | 74,235,000 | 75,227,000 | 74,491,000 |
| Allowance for loan losses | 558,000 | 593,000 | 594,000 | 594,000 |
| Securities available for sale | 16,208,000 | 16,416,000 | 16,304,000 | 16,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,649,000 | 92,034,000 | 92,569,000 | 94,499,000 |
| Interest-bearing deposits | 77,485,000 | 78,516,000 | 79,748,000 | 81,241,000 |
| Noninterest-bearing deposits | 13,164,000 | 13,518,000 | 12,821,000 | 13,258,000 |
| Equity capital | 8,705,000 | 8,762,000 | 8,915,000 | 9,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,123,000 | 2,263,000 | 3,475,000 | 4,689,000 |
| Interest expense | 88,000 | 187,000 | 305,000 | 431,000 |
| Net interest income | 1,035,000 | 2,076,000 | 3,170,000 | 4,258,000 |
| Noninterest income | 78,000 | 195,000 | 334,000 | 466,000 |
| Noninterest expense | 920,000 | 1,835,000 | 2,740,000 | 3,708,000 |
| Provision for loan losses | 54,000 | 123,000 | 227,000 | 446,000 |
| Pretax income | 139,000 | 311,000 | 535,000 | 568,000 |
| Income tax | 24,000 | 65,000 | 116,000 | 85,000 |
| Net income | 115,000 | 246,000 | 419,000 | 483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,999,000 | 9,110,000 | 9,283,000 | 9,327,000 |
| Total capital | 9,557,000 | 9,703,000 | 9,877,000 | 9,921,000 |
| Risk-weighted assets | 63,197,000 | 64,102,000 | 65,996,000 | 64,931,000 |