Call reports 2006
MT. VICTORY STATE BANK — 2006
What MT. VICTORY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 11,226,000 | 11,109,000 | 11,330,000 | 12,632,000 |
| Total loans | 5,316,000 | 5,482,000 | 5,692,000 | 5,314,000 |
| Allowance for loan losses | 149,000 | 148,000 | 146,000 | 148,000 |
| Securities available for sale | 4,301,000 | 4,245,000 | 4,340,000 | 4,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,863,000 | 8,730,000 | 8,843,000 | 10,773,000 |
| Interest-bearing deposits | 6,694,000 | 6,637,000 | 6,875,000 | 8,047,000 |
| Noninterest-bearing deposits | 2,169,000 | 2,093,000 | 1,968,000 | 2,726,000 |
| Equity capital | 1,640,000 | 1,631,000 | 1,739,000 | 1,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 151,000 | 309,000 | 465,000 | 630,000 |
| Interest expense | 34,000 | 70,000 | 114,000 | 166,000 |
| Net interest income | 117,000 | 239,000 | 351,000 | 464,000 |
| Noninterest income | 20,000 | 41,000 | 63,000 | 83,000 |
| Noninterest expense | 107,000 | 214,000 | 318,000 | 456,000 |
| Provision for loan losses | 0 | 0 | -32,000 | -32,000 |
| Pretax income | 30,000 | 66,000 | 128,000 | 123,000 |
| Income tax | 6,000 | 14,000 | 31,000 | 24,000 |
| Net income | 24,000 | 52,000 | 97,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,714,000 | 1,741,000 | 1,786,000 | 1,758,000 |
| Total capital | 1,796,000 | 1,825,000 | 1,873,000 | 1,845,000 |
| Risk-weighted assets | 6,488,000 | 6,616,000 | 6,914,000 | 6,889,000 |