Call reports 2005
MT. VICTORY STATE BANK — 2005
What MT. VICTORY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 11,485,000 | 11,467,000 | 11,159,000 | 11,368,000 |
| Total loans | 4,890,000 | 5,100,000 | 5,069,000 | 5,338,000 |
| Allowance for loan losses | 154,000 | 150,000 | 150,000 | 150,000 |
| Securities available for sale | 4,125,000 | 4,406,000 | 4,361,000 | 4,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,725,000 | 9,638,000 | 8,919,000 | 9,026,000 |
| Interest-bearing deposits | 7,220,000 | 7,178,000 | 6,385,000 | 6,578,000 |
| Noninterest-bearing deposits | 2,505,000 | 2,460,000 | 2,534,000 | 2,448,000 |
| Equity capital | 1,611,000 | 1,680,000 | 1,682,000 | 1,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 140,000 | 283,000 | 435,000 | 586,000 |
| Interest expense | 23,000 | 46,000 | 70,000 | 95,000 |
| Net interest income | 117,000 | 237,000 | 365,000 | 491,000 |
| Noninterest income | 18,000 | 35,000 | 55,000 | 72,000 |
| Noninterest expense | 104,000 | 213,000 | 323,000 | 466,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 31,000 | 59,000 | 97,000 | 97,000 |
| Income tax | 6,000 | 11,000 | 19,000 | 15,000 |
| Net income | 25,000 | 48,000 | 78,000 | 82,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,663,000 | 1,685,000 | 1,716,000 | 1,689,000 |
| Total capital | 1,755,000 | 1,779,000 | 1,792,000 | 1,772,000 |
| Risk-weighted assets | 7,283,000 | 7,490,000 | 6,043,000 | 6,574,000 |