Call reports 2013
VICTORY BANK, THE — 2013
What VICTORY BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 130,819,000 | 135,711,000 | 141,249,000 | 141,597,000 |
| Total loans | 115,401,000 | 122,462,000 | 130,444,000 | 131,275,000 |
| Allowance for loan losses | 1,469,000 | 1,557,000 | 1,645,000 | 1,660,000 |
| Securities available for sale | 4,659,000 | 4,296,000 | 1,991,000 | 1,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,593,000 | 121,514,000 | 123,654,000 | 121,084,000 |
| Interest-bearing deposits | 101,905,000 | 104,168,000 | 105,761,000 | 102,693,000 |
| Noninterest-bearing deposits | 16,688,000 | 17,346,000 | 17,893,000 | 18,391,000 |
| Equity capital | 11,594,000 | 11,614,000 | 11,873,000 | 12,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,592,000 | 3,227,000 | 4,970,000 | 6,746,000 |
| Interest expense | 266,000 | 519,000 | 774,000 | 1,031,000 |
| Net interest income | 1,326,000 | 2,708,000 | 4,196,000 | 5,715,000 |
| Noninterest income | 366,000 | 560,000 | 686,000 | 943,000 |
| Noninterest expense | 1,184,000 | 2,468,000 | 3,739,000 | 5,172,000 |
| Provision for loan losses | 128,000 | 215,000 | 303,000 | 348,000 |
| Pretax income | 380,000 | 585,000 | 885,000 | 1,183,000 |
| Income tax | 129,000 | 201,000 | 301,000 | 473,000 |
| Net income | 251,000 | 384,000 | 584,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,726,000 | 10,923,000 | 11,287,000 | 11,733,000 |
| Total capital | 12,195,000 | 12,480,000 | 12,901,000 | 13,357,000 |
| Risk-weighted assets | 117,795,000 | 124,550,000 | 129,056,000 | 129,877,000 |
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