Call reports 2004
MOUNTAIN VALLEY BANK, N.A. — 2004
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 87,881,000 | 88,312,000 | 91,156,000 | 90,337,000 |
| Total loans | 49,089,000 | 50,026,000 | 54,856,000 | 56,444,000 |
| Allowance for loan losses | 686,000 | 687,000 | 696,000 | 720,000 |
| Securities available for sale | 17,660,000 | 18,577,000 | 17,606,000 | 17,015,000 |
| Securities held to maturity | 14,328,000 | 14,404,000 | 13,124,000 | 11,442,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,012,000 | 75,802,000 | 78,133,000 | 77,387,000 |
| Interest-bearing deposits | 56,540,000 | 57,179,000 | 59,487,000 | 56,840,000 |
| Noninterest-bearing deposits | 18,472,000 | 18,623,000 | 18,646,000 | 20,547,000 |
| Equity capital | 11,960,000 | 11,853,000 | 12,222,000 | 12,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,034,000 | 2,070,000 | 3,132,000 | 4,263,000 |
| Interest expense | 152,000 | 292,000 | 432,000 | 572,000 |
| Net interest income | 882,000 | 1,778,000 | 2,700,000 | 3,691,000 |
| Noninterest income | 92,000 | 210,000 | 360,000 | 499,000 |
| Noninterest expense | 703,000 | 1,422,000 | 2,141,000 | 2,875,000 |
| Provision for loan losses | 12,000 | 18,000 | 31,000 | 66,000 |
| Pretax income | 259,000 | 550,000 | 890,000 | 1,251,000 |
| Income tax | 67,000 | 144,000 | 240,000 | 350,000 |
| Net income | 192,000 | 406,000 | 650,000 | 901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,764,000 | 11,915,000 | 12,159,000 | 12,205,000 |
| Total capital | 12,380,000 | 12,530,000 | 12,812,000 | 12,867,000 |
| Risk-weighted assets | 49,183,000 | 49,092,000 | 52,207,000 | 52,888,000 |