Call reports 2017
MOUNTAIN VIEW BANK OF COMMERCE — 2017
What MOUNTAIN VIEW BANK OF COMMERCE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 95,641,000 | 100,211,000 | 98,571,000 | 97,420,000 |
| Total loans | 81,897,000 | 82,415,000 | 80,510,000 | 82,928,000 |
| Allowance for loan losses | 1,118,000 | 1,146,000 | 1,147,000 | 1,168,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,869,000 | 77,844,000 | 76,931,000 | 74,736,000 |
| Interest-bearing deposits | 59,998,000 | 57,558,000 | 56,915,000 | 56,065,000 |
| Noninterest-bearing deposits | 15,871,000 | 20,286,000 | 20,016,000 | 18,671,000 |
| Equity capital | 8,459,000 | 9,550,000 | 9,613,000 | 9,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,015,000 | 2,054,000 | 3,135,000 | 4,214,000 |
| Interest expense | 174,000 | 356,000 | 542,000 | 723,000 |
| Net interest income | 841,000 | 1,698,000 | 2,593,000 | 3,491,000 |
| Noninterest income | -37,000 | 36,000 | -139,000 | 102,000 |
| Noninterest expense | 821,000 | 1,574,000 | 2,364,000 | 3,356,000 |
| Provision for loan losses | 0 | 28,000 | -145,000 | -145,000 |
| Pretax income | -17,000 | 132,000 | 235,000 | 382,000 |
| Income tax | -6,000 | 52,000 | 92,000 | 148,000 |
| Net income | -11,000 | 80,000 | 143,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,459,000 | 9,550,000 | 9,613,000 | 9,556,000 |
| Total capital | 9,500,000 | 10,578,000 | 10,617,000 | 10,571,000 |
| Risk-weighted assets | 83,229,000 | 82,055,000 | 80,165,000 | 81,137,000 |