Call reports 2016
MOUNTAIN VIEW BANK OF COMMERCE — 2016
What MOUNTAIN VIEW BANK OF COMMERCE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 84,449,000 | 88,793,000 | 93,953,000 | 93,589,000 |
| Total loans | 70,624,000 | 77,928,000 | 78,792,000 | 79,730,000 |
| Allowance for loan losses | 1,475,000 | 1,548,000 | 1,438,000 | 1,118,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,854,000 | 66,952,000 | 73,269,000 | 73,780,000 |
| Interest-bearing deposits | 49,198,000 | 53,007,000 | 59,048,000 | 58,731,000 |
| Noninterest-bearing deposits | 13,656,000 | 13,945,000 | 14,221,000 | 15,049,000 |
| Equity capital | 8,267,000 | 8,279,000 | 8,380,000 | 8,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 895,000 | 1,815,000 | 2,806,000 | 3,782,000 |
| Interest expense | 135,000 | 286,000 | 458,000 | 633,000 |
| Net interest income | 760,000 | 1,529,000 | 2,348,000 | 3,149,000 |
| Noninterest income | 37,000 | 96,000 | 166,000 | 259,000 |
| Noninterest expense | 712,000 | 1,447,000 | 2,153,000 | 2,906,000 |
| Provision for loan losses | 400,000 | 473,000 | 493,000 | 493,000 |
| Pretax income | -315,000 | -295,000 | -132,000 | 9,000 |
| Income tax | -113,000 | -105,000 | -43,000 | 8,000 |
| Net income | -202,000 | -190,000 | -89,000 | 1,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,267,000 | 8,279,000 | 8,380,000 | 8,470,000 |
| Total capital | 9,168,000 | 9,241,000 | 9,374,000 | 9,475,000 |
| Risk-weighted assets | 71,486,000 | 76,384,000 | 79,133,000 | 80,342,000 |