Call reports 2008
MT. VICTORY STATE BANK — 2008
What MT. VICTORY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 13,573,000 | 12,953,000 | 12,052,000 | 12,695,000 |
| Total loans | 4,060,000 | 4,077,000 | 3,826,000 | 4,161,000 |
| Allowance for loan losses | 119,000 | 116,000 | 116,000 | 116,000 |
| Securities available for sale | 5,097,000 | 6,184,000 | 6,226,000 | 5,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,583,000 | 11,014,000 | 10,063,000 | 10,656,000 |
| Interest-bearing deposits | 8,588,000 | 8,138,000 | 7,394,000 | 7,817,000 |
| Noninterest-bearing deposits | 2,995,000 | 2,876,000 | 2,669,000 | 2,839,000 |
| Equity capital | 1,892,000 | 1,859,000 | 1,915,000 | 1,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 168,000 | 335,000 | 489,000 | 638,000 |
| Interest expense | 55,000 | 107,000 | 144,000 | 180,000 |
| Net interest income | 113,000 | 228,000 | 345,000 | 458,000 |
| Noninterest income | 23,000 | 45,000 | 62,000 | 77,000 |
| Noninterest expense | 99,000 | 194,000 | 293,000 | 426,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 37,000 | 79,000 | 114,000 | 109,000 |
| Income tax | 9,000 | 18,000 | 26,000 | 19,000 |
| Net income | 28,000 | 61,000 | 88,000 | 90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,872,000 | 1,906,000 | 1,933,000 | 1,905,000 |
| Total capital | 1,959,000 | 1,990,000 | 2,011,000 | 1,989,000 |
| Risk-weighted assets | 6,964,000 | 6,702,000 | 6,174,000 | 6,727,000 |