Call reports 2002
MOUNTAIN VALLEY BANK, N.A. — 2002
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 84,225,000 | 84,168,000 | 85,852,000 | 85,450,000 |
| Total loans | 44,479,000 | 44,815,000 | 45,560,000 | 46,279,000 |
| Allowance for loan losses | 631,000 | 638,000 | 641,000 | 638,000 |
| Securities available for sale | 11,802,000 | 11,000,000 | 12,052,000 | 10,410,000 |
| Securities held to maturity | 18,722,000 | 19,307,000 | 18,390,000 | 18,617,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,575,000 | 71,636,000 | 72,693,000 | 72,284,000 |
| Interest-bearing deposits | 54,845,000 | 53,989,000 | 55,617,000 | 55,460,000 |
| Noninterest-bearing deposits | 16,730,000 | 17,647,000 | 17,076,000 | 16,824,000 |
| Equity capital | 12,222,000 | 12,048,000 | 12,328,000 | 12,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,214,000 | 2,405,000 | 3,570,000 | 4,702,000 |
| Interest expense | 355,000 | 683,000 | 1,000,000 | 1,266,000 |
| Net interest income | 859,000 | 1,722,000 | 2,570,000 | 3,436,000 |
| Noninterest income | 63,000 | 146,000 | 232,000 | 325,000 |
| Noninterest expense | 683,000 | 1,375,000 | 2,053,000 | 2,752,000 |
| Provision for loan losses | 15,000 | 27,000 | 35,000 | 43,000 |
| Pretax income | 224,000 | 466,000 | 714,000 | 968,000 |
| Income tax | 48,000 | 100,000 | 159,000 | 218,000 |
| Net income | 176,000 | 366,000 | 555,000 | 750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,141,000 | 11,848,000 | 12,037,000 | 12,036,000 |
| Total capital | 12,731,000 | 12,442,000 | 12,636,000 | 12,641,000 |
| Risk-weighted assets | 47,166,000 | 47,493,000 | 47,911,000 | 48,339,000 |