Call reports 2012
MOUNTAIN VIEW BANK OF COMMERCE — 2012
What MOUNTAIN VIEW BANK OF COMMERCE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 56,361,000 | 55,212,000 | 52,195,000 | 55,620,000 |
| Total loans | 38,044,000 | 40,907,000 | 42,410,000 | 45,499,000 |
| Allowance for loan losses | 752,000 | 752,000 | 752,000 | 827,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,260,000 | 45,547,000 | 42,954,000 | 44,118,000 |
| Interest-bearing deposits | 38,468,000 | 36,402,000 | 34,542,000 | 33,103,000 |
| Noninterest-bearing deposits | 7,792,000 | 9,145,000 | 8,412,000 | 11,015,000 |
| Equity capital | 7,544,000 | 7,623,000 | 7,709,000 | 7,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 635,000 | 1,270,000 | 1,913,000 | 2,602,000 |
| Interest expense | 129,000 | 255,000 | 367,000 | 466,000 |
| Net interest income | 506,000 | 1,015,000 | 1,546,000 | 2,136,000 |
| Noninterest income | 6,000 | 18,000 | 57,000 | 58,000 |
| Noninterest expense | 482,000 | 879,000 | 1,323,000 | 1,772,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 30,000 | 154,000 | 280,000 | 347,000 |
| Income tax | 13,000 | 58,000 | 98,000 | 123,000 |
| Net income | 17,000 | 96,000 | 182,000 | 224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,308,000 | 7,389,000 | 7,516,000 | 7,529,000 |
| Total capital | 7,796,000 | 7,916,000 | 8,062,000 | 8,116,000 |
| Risk-weighted assets | 38,753,000 | 41,914,000 | 43,494,000 | 46,845,000 |