Call reports 2010
MOUNTAIN VIEW BANK OF COMMERCE — 2010
What MOUNTAIN VIEW BANK OF COMMERCE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 49,502,000 | 52,761,000 | 55,485,000 | 60,303,000 |
| Total loans | 42,348,000 | 42,602,000 | 44,168,000 | 41,087,000 |
| Allowance for loan losses | 651,000 | 768,000 | 789,000 | 789,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,679,000 | 40,663,000 | 43,977,000 | 48,960,000 |
| Interest-bearing deposits | 32,581,000 | 35,975,000 | 37,939,000 | 42,559,000 |
| Noninterest-bearing deposits | 4,098,000 | 4,688,000 | 6,038,000 | 6,401,000 |
| Equity capital | 7,192,000 | 7,198,000 | 7,248,000 | 7,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 673,000 | 1,387,000 | 2,060,000 | 2,760,000 |
| Interest expense | 229,000 | 457,000 | 669,000 | 882,000 |
| Net interest income | 444,000 | 930,000 | 1,391,000 | 1,878,000 |
| Noninterest income | 4,000 | 13,000 | 19,000 | 136,000 |
| Noninterest expense | 351,000 | 717,000 | 1,082,000 | 1,547,000 |
| Provision for loan losses | 30,000 | 147,000 | 168,000 | 168,000 |
| Pretax income | 67,000 | 79,000 | 160,000 | 299,000 |
| Income tax | 26,000 | 32,000 | 63,000 | 117,000 |
| Net income | 41,000 | 47,000 | 97,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,957,000 | 7,034,000 | 7,135,000 | 6,936,000 |
| Total capital | 7,434,000 | 7,530,000 | 7,652,000 | 7,422,000 |
| Risk-weighted assets | 37,971,000 | 39,371,000 | 41,048,000 | 38,556,000 |