Call reports 2020
MOUNTAIN VIEW BANK OF COMMERCE — 2020
What MOUNTAIN VIEW BANK OF COMMERCE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 141,415,000 | 163,874,000 | 158,008,000 | 157,375,000 |
| Total loans | 122,781,000 | 141,517,000 | 133,416,000 | 127,211,000 |
| Allowance for loan losses | 1,688,000 | 2,091,000 | 2,375,000 | 2,377,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,574,000 | 130,911,000 | 126,021,000 | 133,238,000 |
| Interest-bearing deposits | 85,804,000 | 88,193,000 | 87,899,000 | 92,058,000 |
| Noninterest-bearing deposits | 28,770,000 | 42,718,000 | 38,122,000 | 41,180,000 |
| Equity capital | 12,492,000 | 12,972,000 | 13,150,000 | 13,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,610,000 | 3,977,000 | 5,622,000 | 6,885,000 |
| Interest expense | 455,000 | 902,000 | 1,332,000 | 1,737,000 |
| Net interest income | 1,155,000 | 3,075,000 | 4,290,000 | 5,148,000 |
| Noninterest income | 321,000 | 753,000 | 1,360,000 | 1,683,000 |
| Noninterest expense | 1,164,000 | 2,478,000 | 3,795,000 | 4,944,000 |
| Provision for loan losses | 90,000 | 490,000 | 770,000 | 770,000 |
| Pretax income | 222,000 | 860,000 | 1,085,000 | 1,117,000 |
| Income tax | 56,000 | 214,000 | 261,000 | 267,000 |
| Net income | 166,000 | 646,000 | 824,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,492,000 | 12,972,000 | 13,150,000 | 13,176,000 |
| Total capital | 14,025,000 | 14,491,000 | 14,609,000 | 14,693,000 |
| Risk-weighted assets | 122,490,000 | 120,989,000 | 115,796,000 | 120,461,000 |