Call reports 2019
MOUNTAIN VALLEY BANK — 2019
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 105,300,000 | 103,957,000 | 106,291,000 | 110,682,000 |
| Total loans | 74,642,000 | 75,129,000 | 78,999,000 | 80,547,000 |
| Allowance for loan losses | 587,000 | 671,000 | 723,000 | 701,000 |
| Securities available for sale | 17,075,000 | 18,053,000 | 17,760,000 | 17,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,830,000 | 94,284,000 | 96,400,000 | 100,582,000 |
| Interest-bearing deposits | 81,311,000 | 79,340,000 | 81,673,000 | 85,717,000 |
| Noninterest-bearing deposits | 14,519,000 | 14,944,000 | 14,727,000 | 14,865,000 |
| Equity capital | 9,293,000 | 9,458,000 | 9,667,000 | 9,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,214,000 | 2,469,000 | 3,787,000 | 5,158,000 |
| Interest expense | 123,000 | 246,000 | 374,000 | 505,000 |
| Net interest income | 1,091,000 | 2,223,000 | 3,413,000 | 4,653,000 |
| Noninterest income | 74,000 | 125,000 | 191,000 | 306,000 |
| Noninterest expense | 962,000 | 1,951,000 | 2,936,000 | 3,946,000 |
| Provision for loan losses | 69,000 | 125,000 | 165,000 | 231,000 |
| Pretax income | 134,000 | 272,000 | 503,000 | 782,000 |
| Income tax | 23,000 | 53,000 | 115,000 | 180,000 |
| Net income | 111,000 | 219,000 | 388,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,393,000 | 9,483,000 | 9,634,000 | 9,781,000 |
| Total capital | 9,980,000 | 10,154,000 | 10,357,000 | 10,482,000 |
| Risk-weighted assets | 64,997,000 | 65,089,000 | 66,638,000 | 66,799,000 |