Call reports 2021
MOUNTAIN VALLEY BANK — 2021
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 128,932,000 | 130,684,000 | 135,627,000 | 139,122,000 |
| Total loans | 78,617,000 | 85,516,000 | 88,133,000 | 92,259,000 |
| Allowance for loan losses | 907,000 | 922,000 | 923,000 | 899,000 |
| Securities available for sale | 21,534,000 | 22,848,000 | 25,734,000 | 29,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,128,000 | 119,762,000 | 124,601,000 | 128,342,000 |
| Interest-bearing deposits | 99,289,000 | 100,657,000 | 104,843,000 | 107,428,000 |
| Noninterest-bearing deposits | 18,839,000 | 19,105,000 | 19,758,000 | 20,914,000 |
| Equity capital | 10,354,000 | 10,476,000 | 10,644,000 | 10,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,196,000 | 2,539,000 | 3,786,000 | 5,080,000 |
| Interest expense | 111,000 | 207,000 | 299,000 | 386,000 |
| Net interest income | 1,085,000 | 2,332,000 | 3,487,000 | 4,694,000 |
| Noninterest income | 91,000 | 197,000 | 341,000 | 548,000 |
| Noninterest expense | 1,017,000 | 2,064,000 | 3,160,000 | 4,525,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 123,000 | 393,000 | 560,000 | 573,000 |
| Income tax | 23,000 | 87,000 | 124,000 | 119,000 |
| Net income | 100,000 | 306,000 | 436,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,247,000 | 10,438,000 | 10,554,000 | 10,571,000 |
| Total capital | 11,073,000 | 11,350,000 | 11,477,000 | 11,470,000 |
| Risk-weighted assets | 65,989,000 | 72,952,000 | 75,163,000 | 79,158,000 |
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