Call reports 2022
MOUNTAIN VALLEY BANK — 2022
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 135,772,000 | 153,850,000 | 156,793,000 | 165,559,000 |
| Total loans | 92,373,000 | 101,180,000 | 112,078,000 | 118,351,000 |
| Allowance for loan losses | 895,000 | 853,000 | 795,000 | 847,000 |
| Securities available for sale | 31,212,000 | 30,643,000 | 31,895,000 | 31,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,876,000 | 139,399,000 | 142,851,000 | 140,947,000 |
| Interest-bearing deposits | 104,632,000 | 111,319,000 | 113,027,000 | 116,668,000 |
| Noninterest-bearing deposits | 21,244,000 | 28,080,000 | 29,824,000 | 24,279,000 |
| Equity capital | 9,640,000 | 14,267,000 | 13,720,000 | 19,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,502,000 | 4,024,000 | 5,631,000 |
| Interest expense | 80,000 | 168,000 | 272,000 | 505,000 |
| Net interest income | 1,138,000 | 2,334,000 | 3,752,000 | 5,126,000 |
| Noninterest income | 192,000 | 593,000 | 727,000 | 1,061,000 |
| Noninterest expense | 1,252,000 | 2,649,000 | 4,153,000 | 5,752,000 |
| Provision for loan losses | 42,000 | 56,000 | 70,000 | 208,000 |
| Pretax income | 36,000 | 222,000 | 256,000 | 227,000 |
| Income tax | 0 | 37,000 | 43,000 | 29,000 |
| Net income | 36,000 | 185,000 | 213,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,567,000 | 15,716,000 | 15,744,000 | 21,230,000 |
| Total capital | 11,462,000 | 16,569,000 | 16,539,000 | 22,077,000 |
| Risk-weighted assets | 82,219,000 | 92,764,000 | 104,492,000 | 108,146,000 |