Call reports 2007
MT. VICTORY STATE BANK — 2007
What MT. VICTORY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 12,555,000 | 12,425,000 | 12,391,000 | 13,990,000 |
| Total loans | 4,861,000 | 4,776,000 | 4,922,000 | 4,640,000 |
| Allowance for loan losses | 148,000 | 119,000 | 119,000 | 119,000 |
| Securities available for sale | 3,661,000 | 3,636,000 | 3,688,000 | 4,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,677,000 | 10,511,000 | 10,413,000 | 12,014,000 |
| Interest-bearing deposits | 8,425,000 | 8,111,000 | 8,080,000 | 7,948,000 |
| Noninterest-bearing deposits | 2,252,000 | 2,400,000 | 2,333,000 | 4,066,000 |
| Equity capital | 1,751,000 | 1,772,000 | 1,844,000 | 1,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 170,000 | 353,000 | 535,000 | 717,000 |
| Interest expense | 58,000 | 117,000 | 178,000 | 234,000 |
| Net interest income | 112,000 | 236,000 | 357,000 | 483,000 |
| Noninterest income | 23,000 | 50,000 | 79,000 | 107,000 |
| Noninterest expense | 102,000 | 193,000 | 293,000 | 444,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 33,000 | 93,000 | 143,000 | 146,000 |
| Income tax | 7,000 | 25,000 | 38,000 | 34,000 |
| Net income | 26,000 | 68,000 | 105,000 | 112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,784,000 | 1,822,000 | 1,859,000 | 1,845,000 |
| Total capital | 1,865,000 | 1,902,000 | 1,941,000 | 1,928,000 |
| Risk-weighted assets | 6,395,000 | 6,321,000 | 6,500,000 | 6,587,000 |