Call reports 2015
MOUNTAIN VALLEY BANK, N.A. — 2015
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 133,570,000 | 134,005,000 | 132,781,000 | 131,444,000 |
| Total loans | 86,558,000 | 87,296,000 | 89,691,000 | 91,022,000 |
| Allowance for loan losses | 1,272,000 | 1,357,000 | 1,256,000 | 1,258,000 |
| Securities available for sale | 36,686,000 | 36,407,000 | 35,630,000 | 30,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,759,000 | 113,152,000 | 111,551,000 | 110,264,000 |
| Interest-bearing deposits | 82,393,000 | 82,470,000 | 79,007,000 | 79,682,000 |
| Noninterest-bearing deposits | 30,366,000 | 30,682,000 | 32,544,000 | 30,582,000 |
| Equity capital | 16,597,000 | 16,611,000 | 16,963,000 | 16,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,255,000 | 2,512,000 | 3,786,000 | 5,070,000 |
| Interest expense | 79,000 | 153,000 | 227,000 | 301,000 |
| Net interest income | 1,176,000 | 2,359,000 | 3,559,000 | 4,769,000 |
| Noninterest income | 180,000 | 369,000 | 560,000 | 779,000 |
| Noninterest expense | 1,048,000 | 2,121,000 | 3,200,000 | 4,316,000 |
| Provision for loan losses | 9,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 299,000 | 595,000 | 907,000 | 1,220,000 |
| Income tax | 88,000 | 176,000 | 268,000 | 363,000 |
| Net income | 211,000 | 419,000 | 639,000 | 857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,428,000 | 17,561,000 | 17,781,000 | 17,698,000 |
| Total capital | 18,395,000 | 18,544,000 | 18,804,000 | 18,727,000 |
| Risk-weighted assets | 77,019,000 | 78,265,000 | 81,574,000 | 82,069,000 |