Call reports 2001
MOUNTAIN VALLEY BANK, N.A. — 2001
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 79,222,000 | 80,059,000 | 82,570,000 | 81,919,000 |
| Total loans | 46,171,000 | 45,593,000 | 45,672,000 | 45,871,000 |
| Allowance for loan losses | 669,000 | 674,000 | 657,000 | 643,000 |
| Securities available for sale | 7,628,000 | 10,633,000 | 10,416,000 | 10,109,000 |
| Securities held to maturity | 17,603,000 | 16,524,000 | 17,500,000 | 17,560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,112,000 | 67,815,000 | 69,938,000 | 69,416,000 |
| Interest-bearing deposits | 51,909,000 | 52,123,000 | 53,786,000 | 52,672,000 |
| Noninterest-bearing deposits | 15,203,000 | 15,692,000 | 16,152,000 | 16,744,000 |
| Equity capital | 11,651,000 | 11,835,000 | 12,122,000 | 12,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,819,000 | 4,177,000 | 5,466,000 |
| Interest expense | 440,000 | 895,000 | 1,341,000 | 1,737,000 |
| Net interest income | 976,000 | 1,924,000 | 2,836,000 | 3,729,000 |
| Noninterest income | 49,000 | 120,000 | 172,000 | 247,000 |
| Noninterest expense | 675,000 | 1,360,000 | 2,053,000 | 2,732,000 |
| Provision for loan losses | 12,000 | 27,000 | 39,000 | 51,000 |
| Pretax income | 338,000 | 657,000 | 916,000 | 1,193,000 |
| Income tax | 90,000 | 173,000 | 229,000 | 292,000 |
| Net income | 248,000 | 484,000 | 687,000 | 901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,571,000 | 11,735,000 | 11,938,000 | 11,965,000 |
| Total capital | 12,135,000 | 12,185,000 | 12,530,000 | 12,553,000 |
| Risk-weighted assets | 45,031,000 | 35,815,000 | 47,272,000 | 47,010,000 |