Call reports 2018
MOUNTAIN VALLEY BANK, N.A. — 2018
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 142,710,000 | 140,645,000 | 141,043,000 | 138,814,000 |
| Total loans | 89,812,000 | 90,347,000 | 92,316,000 | 91,753,000 |
| Allowance for loan losses | 1,107,000 | 1,147,000 | 1,158,000 | 1,159,000 |
| Securities available for sale | 37,625,000 | 38,604,000 | 37,169,000 | 35,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,564,000 | 117,442,000 | 117,283,000 | 114,780,000 |
| Interest-bearing deposits | 82,177,000 | 80,249,000 | 79,694,000 | 78,239,000 |
| Noninterest-bearing deposits | 37,387,000 | 37,193,000 | 37,589,000 | 36,541,000 |
| Equity capital | 17,144,000 | 17,385,000 | 17,704,000 | 18,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,331,000 | 2,738,000 | 4,208,000 | 5,733,000 |
| Interest expense | 65,000 | 129,000 | 196,000 | 267,000 |
| Net interest income | 1,266,000 | 2,609,000 | 4,012,000 | 5,466,000 |
| Noninterest income | 170,000 | 352,000 | 541,000 | 741,000 |
| Noninterest expense | 1,114,000 | 2,211,000 | 3,300,000 | 4,455,000 |
| Provision for loan losses | 15,000 | 0 | 0 | 0 |
| Pretax income | 307,000 | 750,000 | 1,253,000 | 1,752,000 |
| Income tax | 62,000 | 154,000 | 257,000 | 360,000 |
| Net income | 245,000 | 596,000 | 996,000 | 1,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,916,000 | 19,192,000 | 19,592,000 | 19,603,000 |
| Total capital | 19,930,000 | 20,215,000 | 20,628,000 | 20,620,000 |
| Risk-weighted assets | 81,039,000 | 81,747,000 | 82,772,000 | 81,251,000 |