Call reports 2015
MT. VICTORY STATE BANK — 2015
What MT. VICTORY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 19,448,000 | 18,760,000 | 16,726,000 | 17,323,000 |
| Total loans | 5,372,000 | 4,818,000 | 5,130,000 | 5,344,000 |
| Allowance for loan losses | 110,000 | 110,000 | 113,000 | 108,000 |
| Securities available for sale | 9,346,000 | 9,159,000 | 8,768,000 | 8,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,626,000 | 17,035,000 | 14,873,000 | 15,546,000 |
| Interest-bearing deposits | 13,009,000 | 12,593,000 | 10,798,000 | 10,667,000 |
| Noninterest-bearing deposits | 4,617,000 | 4,442,000 | 4,075,000 | 4,879,000 |
| Equity capital | 1,813,000 | 1,701,000 | 1,823,000 | 1,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 123,000 | 245,000 | 368,000 | 487,000 |
| Interest expense | 7,000 | 14,000 | 22,000 | 29,000 |
| Net interest income | 116,000 | 231,000 | 346,000 | 458,000 |
| Noninterest income | 15,000 | 31,000 | 49,000 | 64,000 |
| Noninterest expense | 111,000 | 231,000 | 347,000 | 476,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 17,000 | 28,000 | 45,000 | 43,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 3,000 |
| Net income | 16,000 | 26,000 | 42,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,902,000 | 1,912,000 | 1,928,000 | 1,897,000 |
| Total capital | 2,012,000 | 2,007,000 | 2,020,000 | 1,990,000 |
| Risk-weighted assets | 10,746,000 | 7,590,000 | 7,310,000 | 7,443,000 |