Call reports 2023
MT. VICTORY STATE BANK — 2023
What MT. VICTORY STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 20,956,000 | 20,534,000 | 21,103,000 | 22,183,000 |
| Total loans | 10,801,000 | 11,290,000 | 11,548,000 | 12,271,000 |
| Allowance for loan losses | 154,000 | 154,000 | 159,000 | 147,000 |
| Securities available for sale | 5,070,000 | 5,004,000 | 4,871,000 | 4,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,168,000 | 18,725,000 | 19,301,000 | 20,281,000 |
| Interest-bearing deposits | 13,433,000 | 13,435,000 | 13,304,000 | 13,636,000 |
| Noninterest-bearing deposits | 5,735,000 | 5,290,000 | 5,997,000 | 6,645,000 |
| Equity capital | 1,780,000 | 1,798,000 | 1,781,000 | 1,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 204,000 | 419,000 | 655,000 | 919,000 |
| Interest expense | 24,000 | 60,000 | 102,000 | 149,000 |
| Net interest income | 180,000 | 359,000 | 553,000 | 770,000 |
| Noninterest income | 12,000 | 23,000 | 34,000 | 47,000 |
| Noninterest expense | 146,000 | 297,000 | 440,000 | 649,000 |
| Provision for loan losses | 3,000 | 3,000 | 8,000 | 12,000 |
| Pretax income | 43,000 | 82,000 | 139,000 | 156,000 |
| Income tax | 7,000 | 13,000 | 21,000 | 27,000 |
| Net income | 36,000 | 69,000 | 118,000 | 129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,088,000 | 2,121,000 | 2,170,000 | 2,131,000 |