Call reports 2013
MT. VICTORY STATE BANK — 2013
What MT. VICTORY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 18,823,000 | 17,841,000 | 16,535,000 | 16,102,000 |
| Total loans | 4,086,000 | 4,552,000 | 5,050,000 | 5,397,000 |
| Allowance for loan losses | 95,000 | 96,000 | 94,000 | 98,000 |
| Securities available for sale | 9,992,000 | 9,923,000 | 9,784,000 | 8,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,956,000 | 16,375,000 | 13,970,000 | 14,914,000 |
| Interest-bearing deposits | 11,824,000 | 11,140,000 | 10,187,000 | 10,563,000 |
| Noninterest-bearing deposits | 5,132,000 | 5,235,000 | 3,783,000 | 4,351,000 |
| Equity capital | 1,852,000 | 1,447,000 | 1,382,000 | 1,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 129,000 | 251,000 | 375,000 | 500,000 |
| Interest expense | 8,000 | 14,000 | 21,000 | 28,000 |
| Net interest income | 121,000 | 237,000 | 354,000 | 472,000 |
| Noninterest income | 14,000 | 33,000 | 50,000 | 69,000 |
| Noninterest expense | 107,000 | 224,000 | 330,000 | 484,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 28,000 | 46,000 | 74,000 | 53,000 |
| Income tax | 5,000 | 9,000 | 12,000 | 14,000 |
| Net income | 23,000 | 37,000 | 62,000 | 39,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,882,000 | 1,894,000 | 1,919,000 | 1,866,000 |
| Total capital | 1,977,000 | 1,989,000 | 2,013,000 | 1,964,000 |
| Risk-weighted assets | 9,343,000 | 7,587,000 | 7,770,000 | 8,166,000 |