Mountain Valley Community Bank Financial Statements & Health Reports

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Vitals

ROAA

.746

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Mountain Valley Community Bank	All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets	202,470	256,123
Total Net Loans	104,980	160,108
Total Deposits	179,718	221,413
Total Equity	17,428	27,434
Profitability
Net Income	1,328	2,812
Return on Average Assets	.746	.99
Return on Average Equity	7.495	8.811
Net Interest Margin	3.837	4.031
Efficiency Ratio	71.523	72.067
Noninterest Income/Revenue	11.356	19.316
Balance Sheet Ratios
Loan-to-Deposit	58.414	70.662
Securities/Assets	.278	.165
Total Equity/Total Assets	.086	.107
Tangible Equity/Tangible Assets	.086	.105
Capital Adequacy
Tier 1 Common Capital	18,191	26,376
Tier 1 Capital	18,191	26,452
Tier 2 Capital	1,544	1,919
Total Capital	19,735	28,453
Total Risk Weighted Assets	123,380	174,280
Leverage Ratio	9.67	10.62
Common Equity Tier 1 Capital Ratio	14.74	16.191
Tier 1 Capital Ratio	14.74	16.286
Total Capital Ratio	16	17.433

Mountain Valley Bancshares, Inc. became a new parent organization for Mountain Valley Community Bank.

View Profile Oct 01 2005

Mountain Valley Community Bank was established 20 years ago and is currently headquartered in Cleveland, GA.

May 04 2004

Relationships	Role	Relationship Start	Relationship End
Mountain Valley Bancshares, Inc.	Parent	10/1/2005

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