Call reports 2010
MOUNTAIN VALLEY BANK, N.A. — 2010
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 112,766,000 | 113,269,000 | 118,280,000 | 112,660,000 |
| Total loans | 78,648,000 | 76,870,000 | 77,782,000 | 79,307,000 |
| Allowance for loan losses | 1,079,000 | 1,208,000 | 1,306,000 | 1,305,000 |
| Securities available for sale | 22,214,000 | 24,928,000 | 32,332,000 | 27,388,000 |
| Securities held to maturity | 257,000 | 191,000 | 190,000 | 190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,298,000 | 95,672,000 | 97,396,000 | 95,364,000 |
| Interest-bearing deposits | 73,781,000 | 73,981,000 | 75,888,000 | 73,126,000 |
| Noninterest-bearing deposits | 21,517,000 | 21,691,000 | 21,508,000 | 22,238,000 |
| Equity capital | 14,903,000 | 14,714,000 | 14,893,000 | 14,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,365,000 | 2,693,000 | 4,046,000 | 5,409,000 |
| Interest expense | 232,000 | 455,000 | 668,000 | 854,000 |
| Net interest income | 1,133,000 | 2,238,000 | 3,378,000 | 4,555,000 |
| Noninterest income | 162,000 | 354,000 | 554,000 | 753,000 |
| Noninterest expense | 1,006,000 | 1,999,000 | 3,025,000 | 4,042,000 |
| Provision for loan losses | 30,000 | 150,000 | 210,000 | 225,000 |
| Pretax income | 259,000 | 443,000 | 697,000 | 1,041,000 |
| Income tax | 67,000 | 108,000 | 175,000 | 276,000 |
| Net income | 192,000 | 335,000 | 522,000 | 765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,191,000 | 15,016,000 | 15,202,000 | 15,165,000 |
| Total capital | 16,046,000 | 15,857,000 | 16,073,000 | 16,040,000 |
| Risk-weighted assets | 68,197,000 | 66,911,000 | 69,216,000 | 69,609,000 |