Call reports 2011
MOUNTAIN VALLEY BANK, N.A. — 2011
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 115,241,000 | 114,030,000 | 116,023,000 | 118,535,000 |
| Total loans | 79,343,000 | 81,406,000 | 80,688,000 | 81,582,000 |
| Allowance for loan losses | 1,338,000 | 1,347,000 | 1,094,000 | 1,238,000 |
| Securities available for sale | 26,644,000 | 23,216,000 | 22,311,000 | 27,769,000 |
| Securities held to maturity | 190,000 | 190,000 | 190,000 | 190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,927,000 | 96,630,000 | 98,500,000 | 100,633,000 |
| Interest-bearing deposits | 74,586,000 | 73,087,000 | 74,288,000 | 74,300,000 |
| Noninterest-bearing deposits | 23,341,000 | 23,543,000 | 24,212,000 | 26,333,000 |
| Equity capital | 14,946,000 | 15,204,000 | 15,419,000 | 15,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,344,000 | 2,690,000 | 4,032,000 | 5,388,000 |
| Interest expense | 168,000 | 319,000 | 464,000 | 604,000 |
| Net interest income | 1,176,000 | 2,371,000 | 3,568,000 | 4,784,000 |
| Noninterest income | 155,000 | 343,000 | 562,000 | 794,000 |
| Noninterest expense | 972,000 | 1,928,000 | 2,856,000 | 3,830,000 |
| Provision for loan losses | 30,000 | 115,000 | 385,000 | 545,000 |
| Pretax income | 329,000 | 672,000 | 890,000 | 1,204,000 |
| Income tax | 94,000 | 196,000 | 259,000 | 352,000 |
| Net income | 235,000 | 476,000 | 631,000 | 852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,400,000 | 15,566,000 | 15,721,000 | 15,662,000 |
| Total capital | 16,278,000 | 16,456,000 | 16,607,000 | 16,560,000 |
| Risk-weighted assets | 69,816,000 | 70,780,000 | 70,699,000 | 71,529,000 |