Call reports 2008
VICTORY BANK, THE — 2008
What VICTORY BANK, THE 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 | 13,030,000 | 16,792,000 | 22,785,000 | 23,158,000 |
| Total loans | 5,020,000 | 11,297,000 | 14,527,000 | 18,062,000 |
| Allowance for loan losses | 45,000 | 124,000 | 160,000 | 199,000 |
| Securities available for sale | 6,999,000 | 4,499,000 | 5,988,000 | 2,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,341,000 | 7,860,000 | 10,669,000 | 15,520,000 |
| Interest-bearing deposits | 3,937,000 | 7,048,000 | 9,599,000 | 13,600,000 |
| Noninterest-bearing deposits | 404,000 | 812,000 | 1,070,000 | 1,920,000 |
| Equity capital | 8,653,000 | 8,221,000 | 7,832,000 | 7,506,000 |
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 | 188,000 | 331,000 | 558,000 | 802,000 |
| Interest expense | 12,000 | 56,000 | 125,000 | 210,000 |
| Net interest income | 176,000 | 275,000 | 433,000 | 592,000 |
| Noninterest income | 0 | 1,000 | 3,000 | 6,000 |
| Noninterest expense | 1,656,000 | 2,109,000 | 2,635,000 | 3,265,000 |
| Provision for loan losses | 45,000 | 124,000 | 160,000 | 199,000 |
| Pretax income | -1,525,000 | -1,957,000 | -2,359,000 | -2,866,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,525,000 | -1,957,000 | -2,359,000 | -2,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,653,000 | 8,221,000 | 7,837,000 | 7,515,000 |
| Total capital | 8,698,000 | 8,345,000 | 7,997,000 | 7,714,000 |
| Risk-weighted assets | 6,564,000 | 13,088,000 | 18,052,000 | 20,642,000 |
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