Call reports 2015
MOUNTAIN VIEW BANK OF COMMERCE — 2015
What MOUNTAIN VIEW BANK OF COMMERCE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,428,000 | 72,424,000 | 76,343,000 | 80,411,000 |
| Total loans | 59,793,000 | 59,107,000 | 65,666,000 | 70,613,000 |
| Allowance for loan losses | 970,000 | 970,000 | 1,015,000 | 1,075,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,017,000 | 51,467,000 | 53,289,000 | 57,142,000 |
| Interest-bearing deposits | 35,141,000 | 38,527,000 | 14,016,000 | 42,596,000 |
| Noninterest-bearing deposits | 12,876,000 | 12,940,000 | 39,273,000 | 14,546,000 |
| Equity capital | 8,307,000 | 8,385,000 | 8,428,000 | 8,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 817,000 | 1,632,000 | 2,458,000 | 3,332,000 |
| Interest expense | 86,000 | 180,000 | 290,000 | 414,000 |
| Net interest income | 731,000 | 1,452,000 | 2,168,000 | 2,918,000 |
| Noninterest income | 23,000 | 41,000 | 76,000 | 106,000 |
| Noninterest expense | 558,000 | 1,173,000 | 1,806,000 | 2,459,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 105,000 |
| Pretax income | 196,000 | 320,000 | 393,000 | 460,000 |
| Income tax | 78,000 | 124,000 | 154,000 | 180,000 |
| Net income | 118,000 | 196,000 | 239,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,307,000 | 8,385,000 | 8,428,000 | 8,469,000 |
| Total capital | 9,003,000 | 9,133,000 | 9,254,000 | 9,358,000 |
| Risk-weighted assets | 55,441,000 | 59,652,000 | 65,881,000 | 70,934,000 |