Call reports 2011
MOUNTAIN VIEW BANK OF COMMERCE — 2011
What MOUNTAIN VIEW BANK OF COMMERCE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 60,430,000 | 54,702,000 | 52,220,000 | 51,666,000 |
| Total loans | 42,882,000 | 41,073,000 | 39,067,000 | 40,060,000 |
| Allowance for loan losses | 803,000 | 716,000 | 750,000 | 751,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,050,000 | 44,072,000 | 42,173,000 | 41,708,000 |
| Interest-bearing deposits | 42,319,000 | 34,882,000 | 34,219,000 | 34,336,000 |
| Noninterest-bearing deposits | 6,731,000 | 9,190,000 | 7,954,000 | 7,372,000 |
| Equity capital | 7,366,000 | 7,385,000 | 7,437,000 | 7,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 677,000 | 1,354,000 | 2,004,000 | 2,655,000 |
| Interest expense | 198,000 | 358,000 | 498,000 | 628,000 |
| Net interest income | 479,000 | 996,000 | 1,506,000 | 2,027,000 |
| Noninterest income | 13,000 | 34,000 | 60,000 | 90,000 |
| Noninterest expense | 423,000 | 894,000 | 1,309,000 | 1,722,000 |
| Provision for loan losses | 14,000 | 51,000 | 85,000 | 86,000 |
| Pretax income | 55,000 | 85,000 | 172,000 | 309,000 |
| Income tax | 22,000 | 33,000 | 68,000 | 115,000 |
| Net income | 33,000 | 52,000 | 104,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,177,000 | 7,249,000 | 7,278,000 | 7,292,000 |
| Total capital | 7,697,000 | 7,762,000 | 7,772,000 | 7,806,000 |
| Risk-weighted assets | 41,352,000 | 40,854,000 | 39,300,000 | 40,864,000 |