MOUNTAIN-VALLEY BANCSHARES, INC. Financial Reports

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:· MOUNTAIN-VALLEY BANCSHARES, INC.

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MOUNTAIN-VALLEY BANCSHARES, INC.

Institution Profile

Year Opened :

1989

Institution Type :

Holding Company

Reserve District :

Richmond

Federal Regulator :

FED

Entity Type :

Bank Holding Company

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

External Auditor :

CONLEY CPA GROUP PLLC

Related Bank / Thrift	Assets	Asset Concentration
Mountain Valley Bank, N.A.	196,669	Commercial Lending Specialization

Financial Fast Facts
Balance Sheet (USD, in thousands)		Income Statement (USD, in thousands, ytd)

Total Assets	23,066	Total Operating Income	639
Total Liabilities	41	Total Operating Expenses	4
Total Equity Capital	23,025	Equity in Undistributed Income	1,841
		Net income (loss)	2,472

Miscellaneous
Cash Dividends Declared by Bank Holding Company	620
Total Consolidated Assets of Bank Holding Company	195,817

Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury