Call reports 2012
MOUNTAIN VALLEY BANK, N.A. — 2012
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 122,036,000 | 124,584,000 | 147,251,000 | 127,010,000 |
| Total loans | 79,938,000 | 81,168,000 | 81,063,000 | 79,009,000 |
| Allowance for loan losses | 1,180,000 | 1,207,000 | 1,215,000 | 1,159,000 |
| Securities available for sale | 31,667,000 | 34,121,000 | 37,623,000 | 39,893,000 |
| Securities held to maturity | 190,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,720,000 | 105,081,000 | 127,443,000 | 104,639,000 |
| Interest-bearing deposits | 79,120,000 | 76,843,000 | 101,470,000 | 78,815,000 |
| Noninterest-bearing deposits | 24,600,000 | 28,238,000 | 25,973,000 | 25,824,000 |
| Equity capital | 15,252,000 | 15,454,000 | 15,705,000 | 15,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,331,000 | 2,680,000 | 4,052,000 | 5,410,000 |
| Interest expense | 141,000 | 279,000 | 420,000 | 550,000 |
| Net interest income | 1,190,000 | 2,401,000 | 3,632,000 | 4,860,000 |
| Noninterest income | 198,000 | 400,000 | 618,000 | 831,000 |
| Noninterest expense | 991,000 | 1,995,000 | 3,062,000 | 4,196,000 |
| Provision for loan losses | 90,000 | 180,000 | 210,000 | 210,000 |
| Pretax income | 307,000 | 626,000 | 978,000 | 1,285,000 |
| Income tax | 97,000 | 194,000 | 307,000 | 405,000 |
| Net income | 210,000 | 432,000 | 671,000 | 880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,872,000 | 16,018,000 | 16,257,000 | 16,187,000 |
| Total capital | 16,764,000 | 16,933,000 | 17,166,000 | 17,068,000 |
| Risk-weighted assets | 71,091,000 | 72,927,000 | 72,450,000 | 70,198,000 |