Call reports 2007
MOUNTAIN VALLEY BANK, N.A. — 2007
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 95,635,000 | 97,175,000 | 100,059,000 | 100,980,000 |
| Total loans | 64,393,000 | 64,826,000 | 64,913,000 | 66,839,000 |
| Allowance for loan losses | 982,000 | 983,000 | 984,000 | 1,005,000 |
| Securities available for sale | 17,407,000 | 16,637,000 | 19,232,000 | 16,303,000 |
| Securities held to maturity | 2,746,000 | 6,228,000 | 6,308,000 | 8,705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,010,000 | 80,899,000 | 83,600,000 | 85,154,000 |
| Interest-bearing deposits | 59,652,000 | 60,282,000 | 63,341,000 | 64,305,000 |
| Noninterest-bearing deposits | 19,358,000 | 20,617,000 | 20,259,000 | 20,849,000 |
| Equity capital | 13,403,000 | 13,649,000 | 14,050,000 | 13,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,576,000 | 3,207,000 | 4,868,000 | 6,515,000 |
| Interest expense | 400,000 | 811,000 | 1,247,000 | 1,689,000 |
| Net interest income | 1,176,000 | 2,396,000 | 3,621,000 | 4,826,000 |
| Noninterest income | 121,000 | 269,000 | 448,000 | 629,000 |
| Noninterest expense | 854,000 | 1,727,000 | 2,602,000 | 3,539,000 |
| Provision for loan losses | 9,000 | 24,000 | 55,000 | 288,000 |
| Pretax income | 434,000 | 915,000 | 1,413,000 | 1,629,000 |
| Income tax | 129,000 | 273,000 | 417,000 | 447,000 |
| Net income | 305,000 | 642,000 | 996,000 | 1,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,458,000 | 13,728,000 | 14,081,000 | 13,821,000 |
| Total capital | 14,194,000 | 14,472,000 | 14,831,000 | 14,590,000 |
| Risk-weighted assets | 58,607,000 | 59,269,000 | 59,752,000 | 61,271,000 |