Call reports 2022
MOUNTAIN VALLEY BANK, N.A. — 2022
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 186,853,000 | 186,247,000 | 189,728,000 | 187,196,000 |
| Total loans | 101,767,000 | 102,481,000 | 105,031,000 | 108,349,000 |
| Allowance for loan losses | 1,306,000 | 1,314,000 | 1,332,000 | 1,367,000 |
| Securities available for sale | 61,552,000 | 65,851,000 | 68,394,000 | 66,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,832,000 | 165,718,000 | 170,203,000 | 166,961,000 |
| Interest-bearing deposits | 107,939,000 | 109,964,000 | 113,240,000 | 111,465,000 |
| Noninterest-bearing deposits | 56,893,000 | 55,754,000 | 56,963,000 | 55,496,000 |
| Equity capital | 18,835,000 | 17,501,000 | 16,533,000 | 17,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,508,000 | 2,963,000 | 4,607,000 | 6,406,000 |
| Interest expense | 72,000 | 143,000 | 230,000 | 353,000 |
| Net interest income | 1,436,000 | 2,820,000 | 4,377,000 | 6,053,000 |
| Noninterest income | 202,000 | 408,000 | 614,000 | 829,000 |
| Noninterest expense | 1,178,000 | 2,374,000 | 3,656,000 | 5,188,000 |
| Provision for loan losses | 0 | 9,000 | 24,000 | 60,000 |
| Pretax income | 464,000 | 849,000 | 1,315,000 | 1,638,000 |
| Income tax | 89,000 | 170,000 | 254,000 | 311,000 |
| Net income | 375,000 | 679,000 | 1,061,000 | 1,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,286,000 | 22,507,000 | 22,889,000 | 22,733,000 |