Call reports 2004
MT. VICTORY STATE BANK — 2004
What MT. VICTORY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 12,495,000 | 11,308,000 | 11,057,000 | 11,453,000 |
| Total loans | 5,447,000 | 5,419,000 | 5,340,000 | 5,239,000 |
| Allowance for loan losses | 155,000 | 153,000 | 154,000 | 154,000 |
| Securities available for sale | 3,600,000 | 4,275,000 | 4,140,000 | 4,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,675,000 | 9,481,000 | 9,235,000 | 9,674,000 |
| Interest-bearing deposits | 8,457,000 | 7,219,000 | 7,324,000 | 7,032,000 |
| Noninterest-bearing deposits | 2,218,000 | 2,262,000 | 1,911,000 | 2,642,000 |
| Equity capital | 1,637,000 | 1,585,000 | 1,656,000 | 1,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 150,000 | 296,000 | 441,000 | 582,000 |
| Interest expense | 27,000 | 51,000 | 74,000 | 97,000 |
| Net interest income | 123,000 | 245,000 | 367,000 | 485,000 |
| Noninterest income | 16,000 | 35,000 | 55,000 | 71,000 |
| Noninterest expense | 97,000 | 197,000 | 299,000 | 440,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 42,000 | 83,000 | 123,000 | 116,000 |
| Income tax | 10,000 | 17,000 | 29,000 | 21,000 |
| Net income | 32,000 | 66,000 | 94,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,604,000 | 1,638,000 | 1,666,000 | 1,637,000 |
| Total capital | 1,680,000 | 1,713,000 | 1,744,000 | 1,714,000 |
| Risk-weighted assets | 5,996,000 | 5,939,000 | 6,157,000 | 6,095,000 |