Call reports 2013
MOUNTAIN VIEW BANK OF COMMERCE — 2013
What MOUNTAIN VIEW BANK OF COMMERCE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 53,754,000 | 58,095,000 | 62,049,000 | 59,361,000 |
| Total loans | 44,847,000 | 48,088,000 | 45,198,000 | 45,822,000 |
| Allowance for loan losses | 810,000 | 835,000 | 836,000 | 836,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,121,000 | 45,501,000 | 49,554,000 | 47,162,000 |
| Interest-bearing deposits | 31,488,000 | 36,425,000 | 41,200,000 | 38,259,000 |
| Noninterest-bearing deposits | 10,633,000 | 9,076,000 | 8,354,000 | 8,903,000 |
| Equity capital | 7,828,000 | 7,858,000 | 7,906,000 | 7,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 660,000 | 1,338,000 | 2,027,000 | 2,694,000 |
| Interest expense | 90,000 | 180,000 | 272,000 | 362,000 |
| Net interest income | 570,000 | 1,158,000 | 1,755,000 | 2,332,000 |
| Noninterest income | 31,000 | 33,000 | 50,000 | 37,000 |
| Noninterest expense | 435,000 | 941,000 | 1,489,000 | 2,028,000 |
| Provision for loan losses | 41,000 | 66,000 | 67,000 | 67,000 |
| Pretax income | 125,000 | 184,000 | 249,000 | 274,000 |
| Income tax | 48,000 | 77,000 | 94,000 | 103,000 |
| Net income | 77,000 | 107,000 | 155,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,627,000 | 7,639,000 | 7,688,000 | 7,703,000 |
| Total capital | 8,203,000 | 8,253,000 | 8,258,000 | 8,300,000 |
| Risk-weighted assets | 45,814,000 | 48,922,000 | 46,636,000 | 47,497,000 |