Call reports 2002
MT. VICTORY STATE BANK — 2002
What MT. VICTORY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 12,382,000 | 12,077,000 | 11,863,000 | 12,981,000 |
| Total loans | 6,388,000 | 6,287,000 | 6,171,000 | 6,170,000 |
| Allowance for loan losses | 134,000 | 137,000 | 140,000 | 142,000 |
| Securities available for sale | 3,076,000 | 4,376,000 | 3,728,000 | 4,403,000 |
| Securities held to maturity | 10,000 | 10,000 | 10,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,634,000 | 10,243,000 | 10,022,000 | 11,166,000 |
| Interest-bearing deposits | 8,542,000 | 8,209,000 | 8,346,000 | 8,762,000 |
| Noninterest-bearing deposits | 2,092,000 | 2,034,000 | 1,676,000 | 2,404,000 |
| Equity capital | 1,483,000 | 1,562,000 | 1,592,000 | 1,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 195,000 | 389,000 | 582,000 | 763,000 |
| Interest expense | 79,000 | 154,000 | 227,000 | 295,000 |
| Net interest income | 116,000 | 235,000 | 355,000 | 468,000 |
| Noninterest income | 17,000 | 32,000 | 48,000 | 63,000 |
| Noninterest expense | 88,000 | 189,000 | 284,000 | 405,000 |
| Provision for loan losses | 5,000 | 8,000 | 11,000 | 13,000 |
| Pretax income | 40,000 | 70,000 | 108,000 | 113,000 |
| Income tax | 11,000 | 18,000 | 28,000 | 24,000 |
| Net income | 29,000 | 52,000 | 80,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,483,000 | 1,511,000 | 1,539,000 | 1,533,000 |
| Total capital | 1,569,000 | 1,598,000 | 1,623,000 | 1,621,000 |
| Risk-weighted assets | 6,853,000 | 6,927,000 | 6,699,000 | 6,980,000 |