Call reports 2005
MOUNTAIN VALLEY BANK, N.A. — 2005
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 90,443,000 | 90,797,000 | 90,163,000 | 86,620,000 |
| Total loans | 56,563,000 | 60,117,000 | 59,782,000 | 59,024,000 |
| Allowance for loan losses | 743,000 | 772,000 | 814,000 | 868,000 |
| Securities available for sale | 16,508,000 | 15,978,000 | 15,448,000 | 14,456,000 |
| Securities held to maturity | 11,113,000 | 9,098,000 | 8,351,000 | 6,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,416,000 | 76,530,000 | 75,640,000 | 72,054,000 |
| Interest-bearing deposits | 57,293,000 | 56,675,000 | 55,543,000 | 53,535,000 |
| Noninterest-bearing deposits | 20,123,000 | 19,855,000 | 20,097,000 | 18,519,000 |
| Equity capital | 12,300,000 | 12,521,000 | 12,781,000 | 12,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,119,000 | 2,324,000 | 3,587,000 | 4,880,000 |
| Interest expense | 139,000 | 290,000 | 452,000 | 622,000 |
| Net interest income | 980,000 | 2,034,000 | 3,135,000 | 4,258,000 |
| Noninterest income | 110,000 | 226,000 | 371,000 | 515,000 |
| Noninterest expense | 732,000 | 1,518,000 | 2,309,000 | 3,118,000 |
| Provision for loan losses | 30,000 | 66,000 | 108,000 | 170,000 |
| Pretax income | 328,000 | 676,000 | 1,089,000 | 1,485,000 |
| Income tax | 100,000 | 205,000 | 342,000 | 468,000 |
| Net income | 228,000 | 471,000 | 747,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,433,000 | 12,613,000 | 12,889,000 | 12,935,000 |
| Total capital | 13,098,000 | 13,312,000 | 13,580,000 | 13,611,000 |
| Risk-weighted assets | 53,106,000 | 55,811,000 | 55,118,000 | 53,857,000 |