Call reports 2009
MOUNTAIN VALLEY BANK, N.A. — 2009
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 110,954,000 | 110,753,000 | 111,275,000 | 110,407,000 |
| Total loans | 67,883,000 | 69,495,000 | 73,311,000 | 78,804,000 |
| Allowance for loan losses | 1,071,000 | 1,066,000 | 1,073,000 | 1,047,000 |
| Securities available for sale | 33,651,000 | 33,703,000 | 30,678,000 | 25,550,000 |
| Securities held to maturity | 696,000 | 303,000 | 282,000 | 268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,753,000 | 93,398,000 | 93,634,000 | 92,933,000 |
| Interest-bearing deposits | 70,983,000 | 70,912,000 | 71,980,000 | 70,595,000 |
| Noninterest-bearing deposits | 22,770,000 | 22,486,000 | 21,654,000 | 22,338,000 |
| Equity capital | 14,450,000 | 14,487,000 | 14,740,000 | 14,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,371,000 | 2,718,000 | 4,093,000 | 5,509,000 |
| Interest expense | 317,000 | 598,000 | 865,000 | 1,105,000 |
| Net interest income | 1,054,000 | 2,120,000 | 3,228,000 | 4,404,000 |
| Noninterest income | 140,000 | 301,000 | 481,000 | 683,000 |
| Noninterest expense | 961,000 | 2,013,000 | 3,069,000 | 4,106,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 75,000 |
| Pretax income | 203,000 | 348,000 | 580,000 | 906,000 |
| Income tax | 38,000 | 54,000 | 89,000 | 170,000 |
| Net income | 165,000 | 294,000 | 491,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,789,000 | 14,840,000 | 15,037,000 | 14,999,000 |
| Total capital | 15,580,000 | 15,633,000 | 15,846,000 | 15,855,000 |
| Risk-weighted assets | 62,960,000 | 63,201,000 | 64,443,000 | 68,253,000 |