Call reports 2012
VICTORY BANK, THE — 2012
What VICTORY BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 110,927,000 | 115,579,000 | 121,864,000 | 127,395,000 |
| Total loans | 89,030,000 | 98,639,000 | 105,513,000 | 110,596,000 |
| Allowance for loan losses | 1,168,000 | 1,217,000 | 1,341,000 | 1,338,000 |
| Securities available for sale | 3,722,000 | 5,166,000 | 5,129,000 | 4,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,640,000 | 103,622,000 | 108,646,000 | 113,580,000 |
| Interest-bearing deposits | 88,145,000 | 91,328,000 | 92,858,000 | 96,237,000 |
| Noninterest-bearing deposits | 12,495,000 | 12,294,000 | 15,788,000 | 17,343,000 |
| Equity capital | 9,910,000 | 9,954,000 | 10,236,000 | 11,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,326,000 | 2,708,000 | 4,210,000 | 5,678,000 |
| Interest expense | 264,000 | 527,000 | 807,000 | 1,071,000 |
| Net interest income | 1,062,000 | 2,181,000 | 3,403,000 | 4,607,000 |
| Noninterest income | 141,000 | 210,000 | 266,000 | 364,000 |
| Noninterest expense | 947,000 | 1,934,000 | 2,925,000 | 4,023,000 |
| Provision for loan losses | 89,000 | 199,000 | 322,000 | 472,000 |
| Pretax income | 167,000 | 258,000 | 422,000 | 476,000 |
| Income tax | 0 | 0 | 0 | -1,058,000 |
| Net income | 167,000 | 258,000 | 422,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,863,000 | 9,944,000 | 10,100,000 | 10,383,000 |
| Total capital | 11,031,000 | 11,161,000 | 11,441,000 | 11,721,000 |
| Risk-weighted assets | 94,680,000 | 101,533,000 | 107,990,000 | 113,622,000 |
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