Call reports 2014
MOUNTAIN VALLEY BANK, N.A. — 2014
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 134,732,000 | 131,703,000 | 132,201,000 | 132,117,000 |
| Total loans | 82,091,000 | 85,576,000 | 87,568,000 | 87,039,000 |
| Allowance for loan losses | 1,252,000 | 1,278,000 | 1,276,000 | 1,263,000 |
| Securities available for sale | 37,986,000 | 37,830,000 | 36,847,000 | 36,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,940,000 | 111,297,000 | 111,416,000 | 111,209,000 |
| Interest-bearing deposits | 86,291,000 | 81,538,000 | 81,879,000 | 81,668,000 |
| Noninterest-bearing deposits | 28,649,000 | 29,759,000 | 29,537,000 | 29,541,000 |
| Equity capital | 16,065,000 | 16,440,000 | 16,731,000 | 16,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,265,000 | 2,536,000 | 3,837,000 | 5,136,000 |
| Interest expense | 101,000 | 200,000 | 299,000 | 396,000 |
| Net interest income | 1,164,000 | 2,336,000 | 3,538,000 | 4,740,000 |
| Noninterest income | 170,000 | 345,000 | 534,000 | 716,000 |
| Noninterest expense | 1,002,000 | 1,997,000 | 3,022,000 | 4,060,000 |
| Provision for loan losses | 24,000 | 30,000 | 36,000 | 68,000 |
| Pretax income | 308,000 | 654,000 | 1,014,000 | 1,328,000 |
| Income tax | 92,000 | 199,000 | 313,000 | 410,000 |
| Net income | 216,000 | 455,000 | 701,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,629,000 | 17,017,000 | 17,263,000 | 17,179,000 |
| Total capital | 17,530,000 | 17,940,000 | 18,206,000 | 18,119,000 |
| Risk-weighted assets | 71,724,000 | 73,471,000 | 75,133,000 | 74,891,000 |