Call reports 2013
MOUNTAIN VALLEY BANK, N.A. — 2013
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 127,273,000 | 128,527,000 | 129,878,000 | 129,677,000 |
| Total loans | 78,407,000 | 79,939,000 | 82,399,000 | 83,474,000 |
| Allowance for loan losses | 1,174,000 | 1,204,000 | 1,216,000 | 1,222,000 |
| Securities available for sale | 38,688,000 | 41,959,000 | 41,361,000 | 40,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,736,000 | 105,338,000 | 107,177,000 | 109,014,000 |
| Interest-bearing deposits | 80,171,000 | 79,279,000 | 80,802,000 | 81,383,000 |
| Noninterest-bearing deposits | 25,565,000 | 26,059,000 | 26,375,000 | 27,631,000 |
| Equity capital | 15,727,000 | 15,379,000 | 15,451,000 | 15,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,286,000 | 2,567,000 | 3,878,000 | 5,190,000 |
| Interest expense | 123,000 | 238,000 | 352,000 | 456,000 |
| Net interest income | 1,163,000 | 2,329,000 | 3,526,000 | 4,734,000 |
| Noninterest income | 181,000 | 378,000 | 574,000 | 778,000 |
| Noninterest expense | 1,017,000 | 2,029,000 | 3,032,000 | 4,158,000 |
| Provision for loan losses | 60,000 | 90,000 | 105,000 | 129,000 |
| Pretax income | 267,000 | 588,000 | 962,000 | 1,224,000 |
| Income tax | 78,000 | 184,000 | 305,000 | 380,000 |
| Net income | 189,000 | 404,000 | 657,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,375,000 | 16,515,000 | 16,197,000 | 16,424,000 |
| Total capital | 17,229,000 | 17,409,000 | 17,112,000 | 17,350,000 |
| Risk-weighted assets | 68,002,000 | 71,181,000 | 72,872,000 | 73,804,000 |