Call reports 2009
MOUNTAIN VIEW BANK OF COMMERCE — 2009
What MOUNTAIN VIEW BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 38,486,000 | 43,321,000 | 46,231,000 | 50,621,000 |
| Total loans | 33,035,000 | 37,556,000 | 39,037,000 | 40,201,000 |
| Allowance for loan losses | 499,000 | 565,000 | 601,000 | 621,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,101,000 | 29,801,000 | 32,976,000 | 37,829,000 |
| Interest-bearing deposits | 25,371,000 | 26,225,000 | 29,522,000 | 33,730,000 |
| Noninterest-bearing deposits | 1,730,000 | 3,576,000 | 3,454,000 | 4,099,000 |
| Equity capital | 7,119,000 | 7,068,000 | 6,573,000 | 7,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 515,000 | 1,063,000 | 1,706,000 | 2,377,000 |
| Interest expense | 250,000 | 496,000 | 748,000 | 1,000,000 |
| Net interest income | 265,000 | 567,000 | 958,000 | 1,377,000 |
| Noninterest income | 1,000 | 3,000 | 4,000 | 12,000 |
| Noninterest expense | 339,000 | 658,000 | 966,000 | 1,283,000 |
| Provision for loan losses | 25,000 | 91,000 | 127,000 | 147,000 |
| Pretax income | -98,000 | -179,000 | -131,000 | -41,000 |
| Income tax | -36,000 | -66,000 | 477,000 | -11,000 |
| Net income | -62,000 | -113,000 | -608,000 | -30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,597,000 | 6,550,000 | 6,573,000 | 7,000,000 |
| Total capital | 7,011,000 | 7,029,000 | 7,049,000 | 7,488,000 |
| Risk-weighted assets | 33,056,000 | 38,195,000 | 37,993,000 | 38,912,000 |