Call reports 2006
MOUNTAIN VALLEY BANK, N.A. — 2006
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 89,710,000 | 89,557,000 | 91,385,000 | 94,082,000 |
| Total loans | 62,844,000 | 64,487,000 | 64,957,000 | 64,236,000 |
| Allowance for loan losses | 887,000 | 902,000 | 923,000 | 976,000 |
| Securities available for sale | 13,415,000 | 12,273,000 | 13,896,000 | 19,257,000 |
| Securities held to maturity | 5,070,000 | 4,410,000 | 3,454,000 | 3,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,609,000 | 73,439,000 | 74,652,000 | 77,481,000 |
| Interest-bearing deposits | 53,165,000 | 52,648,000 | 54,788,000 | 58,288,000 |
| Noninterest-bearing deposits | 20,444,000 | 20,791,000 | 19,864,000 | 19,193,000 |
| Equity capital | 13,063,000 | 13,340,000 | 13,767,000 | 13,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,731,000 | 4,240,000 | 5,824,000 |
| Interest expense | 180,000 | 398,000 | 656,000 | 1,030,000 |
| Net interest income | 1,126,000 | 2,333,000 | 3,584,000 | 4,794,000 |
| Noninterest income | 113,000 | 253,000 | 406,000 | 546,000 |
| Noninterest expense | 805,000 | 1,614,000 | 2,454,000 | 3,334,000 |
| Provision for loan losses | 18,000 | 36,000 | 60,000 | 117,000 |
| Pretax income | 416,000 | 936,000 | 1,476,000 | 1,899,000 |
| Income tax | 142,000 | 325,000 | 515,000 | 657,000 |
| Net income | 274,000 | 611,000 | 961,000 | 1,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,210,000 | 13,484,000 | 13,834,000 | 13,865,000 |
| Total capital | 13,929,000 | 14,207,000 | 14,564,000 | 14,586,000 |
| Risk-weighted assets | 57,369,000 | 57,692,000 | 58,201,000 | 57,392,000 |