Call reports 2022
MOUNTAIN VIEW BANK OF COMMERCE — 2022
What MOUNTAIN VIEW BANK OF COMMERCE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 168,588,000 | 168,889,000 | 167,926,000 | 177,682,000 |
| Total loans | 144,659,000 | 147,475,000 | 149,031,000 | 156,356,000 |
| Allowance for loan losses | 2,280,000 | 2,256,000 | 2,230,000 | 2,225,000 |
| Securities available for sale | 0 | 2,460,000 | 2,558,000 | 2,453,000 |
| Securities held to maturity | 2,659,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,388,000 | 143,307,000 | 139,456,000 | 133,970,000 |
| Interest-bearing deposits | 93,137,000 | 94,328,000 | 87,410,000 | 91,184,000 |
| Noninterest-bearing deposits | 48,251,000 | 48,979,000 | 52,046,000 | 42,786,000 |
| Equity capital | 17,571,000 | 17,943,000 | 18,756,000 | 19,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,687,000 | 3,560,000 | 5,677,000 | 7,947,000 |
| Interest expense | 182,000 | 361,000 | 560,000 | 847,000 |
| Net interest income | 1,505,000 | 3,199,000 | 5,117,000 | 7,100,000 |
| Noninterest income | 172,000 | 432,000 | 583,000 | 675,000 |
| Noninterest expense | 1,158,000 | 2,447,000 | 3,644,000 | 5,017,000 |
| Provision for loan losses | -30,000 | -60,000 | -92,000 | -102,000 |
| Pretax income | 549,000 | 1,244,000 | 2,148,000 | 2,860,000 |
| Income tax | 134,000 | 307,000 | 469,000 | 644,000 |
| Net income | 415,000 | 937,000 | 1,679,000 | 2,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,571,000 | 18,092,000 | 18,834,000 | 19,371,000 |
| Total capital | 19,395,000 | 19,955,000 | 20,696,000 | 21,363,000 |
| Risk-weighted assets | 145,458,000 | 148,689,000 | 148,604,000 | 159,200,000 |