Call reports 2017
MOUNTAIN VALLEY BANK, N.A. — 2017
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 137,669,000 | 140,263,000 | 141,748,000 | 137,284,000 |
| Total loans | 89,496,000 | 90,219,000 | 90,759,000 | 90,995,000 |
| Allowance for loan losses | 1,111,000 | 1,113,000 | 1,119,000 | 1,115,000 |
| Securities available for sale | 36,543,000 | 38,356,000 | 37,456,000 | 36,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,554,000 | 117,905,000 | 118,648,000 | 114,448,000 |
| Interest-bearing deposits | 81,341,000 | 81,457,000 | 81,966,000 | 78,944,000 |
| Noninterest-bearing deposits | 34,213,000 | 36,448,000 | 36,682,000 | 35,504,000 |
| Equity capital | 17,194,000 | 17,525,000 | 17,785,000 | 17,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,291,000 | 2,590,000 | 3,925,000 | 5,282,000 |
| Interest expense | 63,000 | 130,000 | 198,000 | 264,000 |
| Net interest income | 1,228,000 | 2,460,000 | 3,727,000 | 5,018,000 |
| Noninterest income | 169,000 | 344,000 | 525,000 | 725,000 |
| Noninterest expense | 1,042,000 | 2,105,000 | 3,163,000 | 4,237,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 24,000 |
| Pretax income | 352,000 | 693,000 | 1,080,000 | 1,482,000 |
| Income tax | 104,000 | 202,000 | 316,000 | 688,000 |
| Net income | 248,000 | 491,000 | 764,000 | 794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,275,000 | 18,443,000 | 18,716,000 | 18,671,000 |
| Total capital | 19,272,000 | 19,464,000 | 19,741,000 | 19,681,000 |
| Risk-weighted assets | 79,662,000 | 81,565,000 | 81,916,000 | 80,736,000 |