Call reports 2019
MOUNTAIN VALLEY BANK, N.A. — 2019
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 141,590,000 | 143,987,000 | 145,487,000 | 143,720,000 |
| Total loans | 91,307,000 | 89,358,000 | 92,125,000 | 94,118,000 |
| Allowance for loan losses | 1,159,000 | 1,158,000 | 1,118,000 | 1,168,000 |
| Securities available for sale | 35,110,000 | 36,096,000 | 37,165,000 | 34,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,974,000 | 121,970,000 | 122,974,000 | 120,820,000 |
| Interest-bearing deposits | 81,749,000 | 82,964,000 | 83,961,000 | 81,094,000 |
| Noninterest-bearing deposits | 38,225,000 | 39,006,000 | 39,013,000 | 39,726,000 |
| Equity capital | 18,694,000 | 19,220,000 | 19,726,000 | 19,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,504,000 | 3,070,000 | 4,667,000 | 6,270,000 |
| Interest expense | 80,000 | 176,000 | 280,000 | 386,000 |
| Net interest income | 1,424,000 | 2,894,000 | 4,387,000 | 5,884,000 |
| Noninterest income | 170,000 | 359,000 | 556,000 | 759,000 |
| Noninterest expense | 1,110,000 | 2,261,000 | 3,392,000 | 4,588,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 487,000 | 995,000 | 1,571,000 | 2,034,000 |
| Income tax | 105,000 | 214,000 | 338,000 | 437,000 |
| Net income | 382,000 | 781,000 | 1,233,000 | 1,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,985,000 | 20,300,000 | 20,752,000 | 20,719,000 |
| Total capital | 20,988,000 | 21,305,000 | 21,762,000 | 21,748,000 |
| Risk-weighted assets | 80,096,000 | 80,268,000 | 80,709,000 | 82,192,000 |