Call reports 2021
MOUNTAIN VALLEY BANK, N.A. — 2021
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 177,590,000 | 177,245,000 | 186,288,000 | 185,615,000 |
| Total loans | 105,974,000 | 104,362,000 | 106,448,000 | 104,953,000 |
| Allowance for loan losses | 1,291,000 | 1,305,000 | 1,305,000 | 1,305,000 |
| Securities available for sale | 42,042,000 | 50,157,000 | 50,355,000 | 56,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,529,000 | 152,620,000 | 161,110,000 | 161,452,000 |
| Interest-bearing deposits | 98,407,000 | 98,452,000 | 106,108,000 | 104,998,000 |
| Noninterest-bearing deposits | 55,122,000 | 54,168,000 | 55,002,000 | 56,454,000 |
| Equity capital | 20,227,000 | 20,446,000 | 20,733,000 | 20,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,426,000 | 2,823,000 | 4,305,000 | 5,751,000 |
| Interest expense | 85,000 | 164,000 | 242,000 | 318,000 |
| Net interest income | 1,341,000 | 2,659,000 | 4,063,000 | 5,433,000 |
| Noninterest income | 189,000 | 401,000 | 592,000 | 803,000 |
| Noninterest expense | 1,185,000 | 2,375,000 | 3,618,000 | 5,213,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 330,000 | 655,000 | 1,007,000 | 992,000 |
| Income tax | 64,000 | 114,000 | 176,000 | 149,000 |
| Net income | 266,000 | 541,000 | 831,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,819,000 | 22,010,000 | 22,300,000 | 21,911,000 |