Call reports 2014
MT. VICTORY STATE BANK — 2014
What MT. VICTORY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 17,286,000 | 16,366,000 | 16,642,000 | 16,570,000 |
| Total loans | 5,473,000 | 5,665,000 | 5,865,000 | 5,445,000 |
| Allowance for loan losses | 88,000 | 95,000 | 104,000 | 111,000 |
| Securities available for sale | 8,902,000 | 9,106,000 | 8,953,000 | 9,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,904,000 | 14,286,000 | 14,644,000 | 14,921,000 |
| Interest-bearing deposits | 11,819,000 | 10,133,000 | 10,649,000 | 10,644,000 |
| Noninterest-bearing deposits | 4,085,000 | 4,153,000 | 3,995,000 | 4,277,000 |
| Equity capital | 1,369,000 | 1,517,000 | 1,573,000 | 1,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 127,000 | 254,000 | 381,000 | 510,000 |
| Interest expense | 7,000 | 13,000 | 20,000 | 27,000 |
| Net interest income | 120,000 | 241,000 | 361,000 | 483,000 |
| Noninterest income | 18,000 | 34,000 | 49,000 | 63,000 |
| Noninterest expense | 106,000 | 226,000 | 333,000 | 482,000 |
| Provision for loan losses | 4,000 | 8,000 | 11,000 | 14,000 |
| Pretax income | 28,000 | 41,000 | 66,000 | 50,000 |
| Income tax | 4,000 | 5,000 | 8,000 | 4,000 |
| Net income | 24,000 | 36,000 | 58,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,890,000 | 1,902,000 | 1,924,000 | 1,886,000 |
| Total capital | 1,978,000 | 1,997,000 | 2,027,000 | 1,982,000 |
| Risk-weighted assets | 8,198,000 | 7,939,000 | 8,241,000 | 7,670,000 |