Call reports 2003
MT. VICTORY STATE BANK — 2003
What MT. VICTORY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 12,214,000 | 11,863,000 | 11,795,000 | 11,688,000 |
| Total loans | 5,777,000 | 6,234,000 | 5,754,000 | 5,441,000 |
| Allowance for loan losses | 146,000 | 149,000 | 151,000 | 152,000 |
| Securities available for sale | 3,196,000 | 3,199,000 | 4,044,000 | 3,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,407,000 | 10,002,000 | 10,003,000 | 9,939,000 |
| Interest-bearing deposits | 8,336,000 | 7,780,000 | 7,919,000 | 7,643,000 |
| Noninterest-bearing deposits | 2,071,000 | 2,222,000 | 2,084,000 | 2,296,000 |
| Equity capital | 1,587,000 | 1,613,000 | 1,611,000 | 1,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 173,000 | 340,000 | 500,000 | 659,000 |
| Interest expense | 60,000 | 117,000 | 164,000 | 202,000 |
| Net interest income | 113,000 | 223,000 | 336,000 | 457,000 |
| Noninterest income | 13,000 | 31,000 | 49,000 | 63,000 |
| Noninterest expense | 95,000 | 190,000 | 280,000 | 422,000 |
| Provision for loan losses | 2,000 | 5,000 | 6,000 | 6,000 |
| Pretax income | 29,000 | 59,000 | 99,000 | 92,000 |
| Income tax | 6,000 | 11,000 | 22,000 | 13,000 |
| Net income | 23,000 | 48,000 | 77,000 | 79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,556,000 | 1,566,000 | 1,595,000 | 1,572,000 |
| Total capital | 1,633,000 | 1,648,000 | 1,673,000 | 1,647,000 |
| Risk-weighted assets | 6,100,000 | 6,520,000 | 6,165,000 | 5,895,000 |