Call reports 2019
MOUNTAIN VIEW BANK OF COMMERCE — 2019
What MOUNTAIN VIEW BANK OF COMMERCE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 113,844,000 | 118,989,000 | 125,466,000 | 132,492,000 |
| Total loans | 98,810,000 | 102,503,000 | 106,204,000 | 113,976,000 |
| Allowance for loan losses | 1,487,000 | 1,532,000 | 1,485,000 | 1,593,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,248,000 | 85,714,000 | 92,976,000 | 99,427,000 |
| Interest-bearing deposits | 59,535,000 | 64,595,000 | 67,865,000 | 73,085,000 |
| Noninterest-bearing deposits | 20,713,000 | 21,119,000 | 25,111,000 | 26,342,000 |
| Equity capital | 11,350,000 | 11,421,000 | 11,542,000 | 11,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,380,000 | 2,807,000 | 4,298,000 | 5,859,000 |
| Interest expense | 341,000 | 707,000 | 1,108,000 | 1,557,000 |
| Net interest income | 1,039,000 | 2,100,000 | 3,190,000 | 4,302,000 |
| Noninterest income | 239,000 | 506,000 | 878,000 | 1,194,000 |
| Noninterest expense | 1,047,000 | 2,239,000 | 3,496,000 | 4,684,000 |
| Provision for loan losses | 0 | 40,000 | 82,000 | 169,000 |
| Pretax income | 231,000 | 327,000 | 490,000 | 643,000 |
| Income tax | 59,000 | 84,000 | 126,000 | 165,000 |
| Net income | 172,000 | 243,000 | 364,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,350,000 | 11,421,000 | 11,542,000 | 11,656,000 |
| Total capital | 12,599,000 | 12,729,000 | 12,911,000 | 13,100,000 |
| Risk-weighted assets | 99,648,000 | 104,358,000 | 109,403,000 | 115,388,000 |