Call reports 2023
MOUNTAIN VALLEY BANK, N.A. — 2023
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 191,593,000 | 191,127,000 | 192,735,000 | 187,629,000 |
| Total loans | 113,923,000 | 114,187,000 | 115,705,000 | 115,019,000 |
| Allowance for loan losses | 1,386,000 | 1,401,000 | 1,397,000 | 1,552,000 |
| Securities available for sale | 67,899,000 | 62,900,000 | 57,769,000 | 58,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,781,000 | 169,491,000 | 171,384,000 | 164,962,000 |
| Interest-bearing deposits | 114,769,000 | 113,726,000 | 114,217,000 | 109,793,000 |
| Noninterest-bearing deposits | 55,012,000 | 55,765,000 | 57,167,000 | 55,169,000 |
| Equity capital | 18,865,000 | 18,762,000 | 18,651,000 | 20,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,874,000 | 3,845,000 | 5,942,000 | 8,119,000 |
| Interest expense | 249,000 | 555,000 | 877,000 | 1,211,000 |
| Net interest income | 1,625,000 | 3,290,000 | 5,065,000 | 6,908,000 |
| Noninterest income | 215,000 | 428,000 | 638,000 | 845,000 |
| Noninterest expense | 1,221,000 | 2,462,000 | 3,761,000 | 5,170,000 |
| Provision for loan losses | 19,000 | 38,000 | 56,000 | 46,000 |
| Pretax income | 600,000 | 1,218,000 | 1,886,000 | 2,537,000 |
| Income tax | 128,000 | 259,000 | 401,000 | 536,000 |
| Net income | 472,000 | 959,000 | 1,485,000 | 2,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,205,000 | 23,609,000 | 24,135,000 | 24,175,000 |