Call reports 2014
MOUNTAIN VIEW BANK OF COMMERCE — 2014
What MOUNTAIN VIEW BANK OF COMMERCE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 60,829,000 | 68,984,000 | 66,051,000 | 68,511,000 |
| Total loans | 51,271,000 | 59,994,000 | 55,574,000 | 60,923,000 |
| Allowance for loan losses | 836,000 | 933,000 | 918,000 | 970,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,571,000 | 48,597,000 | 49,997,000 | 47,842,000 |
| Interest-bearing deposits | 38,116,000 | 36,867,000 | 37,760,000 | 35,773,000 |
| Noninterest-bearing deposits | 10,455,000 | 11,730,000 | 12,237,000 | 12,069,000 |
| Equity capital | 7,959,000 | 7,982,000 | 8,109,000 | 8,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 654,000 | 1,406,000 | 2,213,000 | 2,993,000 |
| Interest expense | 76,000 | 156,000 | 239,000 | 321,000 |
| Net interest income | 578,000 | 1,250,000 | 1,974,000 | 2,672,000 |
| Noninterest income | 19,000 | 37,000 | 72,000 | 88,000 |
| Noninterest expense | 536,000 | 1,094,000 | 1,649,000 | 2,184,000 |
| Provision for loan losses | 0 | 97,000 | 97,000 | 149,000 |
| Pretax income | 61,000 | 96,000 | 300,000 | 427,000 |
| Income tax | 24,000 | 36,000 | 113,000 | 160,000 |
| Net income | 37,000 | 60,000 | 187,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,709,000 | 7,724,000 | 7,859,000 | 7,984,000 |
| Total capital | 8,362,000 | 8,443,000 | 8,507,000 | 8,686,000 |
| Risk-weighted assets | 52,101,000 | 57,301,000 | 51,546,000 | 55,896,000 |