Call reports 2025
MOUNTAIN VALLEY BANK — 2025
What MOUNTAIN VALLEY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 259,211,000 | 263,401,000 | 260,279,000 | 259,636,000 |
| Total loans | 210,398,000 | 207,372,000 | 214,722,000 | 206,592,000 |
| Allowance for loan losses | 1,790,000 | 1,790,000 | 1,681,000 | 1,758,000 |
| Securities available for sale | 25,708,000 | 25,713,000 | 25,535,000 | 25,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,130,000 | 209,037,000 | 205,136,000 | 204,235,000 |
| Interest-bearing deposits | 165,260,000 | 168,540,000 | 167,217,000 | 167,603,000 |
| Noninterest-bearing deposits | 39,870,000 | 40,497,000 | 37,919,000 | 36,632,000 |
| Equity capital | 23,058,000 | 23,399,000 | 23,988,000 | 24,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,684,000 | 7,429,000 | 11,339,000 | 15,247,000 |
| Interest expense | 1,537,000 | 3,073,000 | 4,589,000 | 6,024,000 |
| Net interest income | 2,147,000 | 4,356,000 | 6,750,000 | 9,223,000 |
| Noninterest income | 217,000 | 457,000 | 719,000 | 1,086,000 |
| Noninterest expense | 2,118,000 | 4,373,000 | 6,576,000 | 8,768,000 |
| Provision for loan losses | 0 | 0 | -112,000 | -2,000 |
| Pretax income | 246,000 | 440,000 | 893,000 | 1,466,000 |
| Income tax | 50,000 | 39,000 | 39,000 | 52,000 |
| Net income | 196,000 | 401,000 | 854,000 | 1,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,721,000 | 23,927,000 | 24,379,000 | 24,939,000 |
| Total capital | 25,511,000 | 25,717,000 | 26,171,000 | 26,774,000 |
| Risk-weighted assets | 177,914,000 | 174,036,000 | 182,053,000 | 173,380,000 |