Call reports 2016
MOUNTAIN VALLEY BANK, N.A. — 2016
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 135,108,000 | 133,952,000 | 135,158,000 | 147,222,000 |
| Total loans | 91,473,000 | 88,763,000 | 89,964,000 | 89,204,000 |
| Allowance for loan losses | 1,262,000 | 1,025,000 | 1,040,000 | 1,101,000 |
| Securities available for sale | 33,525,000 | 37,878,000 | 36,448,000 | 36,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,576,000 | 112,343,000 | 113,307,000 | 126,128,000 |
| Interest-bearing deposits | 82,124,000 | 79,652,000 | 79,878,000 | 78,081,000 |
| Noninterest-bearing deposits | 31,452,000 | 32,691,000 | 33,429,000 | 48,047,000 |
| Equity capital | 17,106,000 | 17,166,000 | 17,378,000 | 16,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,269,000 | 2,537,000 | 3,806,000 | 5,064,000 |
| Interest expense | 73,000 | 146,000 | 217,000 | 286,000 |
| Net interest income | 1,196,000 | 2,391,000 | 3,589,000 | 4,778,000 |
| Noninterest income | 173,000 | 419,000 | 606,000 | 802,000 |
| Noninterest expense | 1,074,000 | 2,150,000 | 3,208,000 | 4,290,000 |
| Provision for loan losses | 3,000 | 210,000 | 225,000 | 252,000 |
| Pretax income | 293,000 | 451,000 | 763,000 | 1,040,000 |
| Income tax | 88,000 | 137,000 | 230,000 | 314,000 |
| Net income | 205,000 | 314,000 | 533,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,903,000 | 17,937,000 | 18,156,000 | 18,027,000 |
| Total capital | 18,935,000 | 18,961,000 | 19,170,000 | 19,038,000 |
| Risk-weighted assets | 82,292,000 | 81,951,000 | 81,091,000 | 80,761,000 |