Call reports 2014
VICTORY BANK, THE — 2014
What VICTORY BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 145,653,000 | 151,376,000 | 153,446,000 | 157,534,000 |
| Total loans | 133,469,000 | 138,128,000 | 142,904,000 | 148,344,000 |
| Allowance for loan losses | 1,696,000 | 1,727,000 | 1,754,000 | 1,768,000 |
| Securities available for sale | 1,829,000 | 1,756,000 | 1,647,000 | 1,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,762,000 | 126,876,000 | 128,091,000 | 130,625,000 |
| Interest-bearing deposits | 108,535,000 | 107,236,000 | 109,479,000 | 112,502,000 |
| Noninterest-bearing deposits | 18,227,000 | 19,640,000 | 18,612,000 | 18,123,000 |
| Equity capital | 12,195,000 | 12,354,000 | 12,515,000 | 12,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,733,000 | 3,562,000 | 5,363,000 | 7,264,000 |
| Interest expense | 249,000 | 502,000 | 771,000 | 1,060,000 |
| Net interest income | 1,484,000 | 3,060,000 | 4,592,000 | 6,204,000 |
| Noninterest income | 229,000 | 294,000 | 424,000 | 500,000 |
| Noninterest expense | 1,328,000 | 2,662,000 | 3,986,000 | 5,420,000 |
| Provision for loan losses | 35,000 | 92,000 | 117,000 | 231,000 |
| Pretax income | 350,000 | 600,000 | 913,000 | 1,053,000 |
| Income tax | 151,000 | 245,000 | 384,000 | 448,000 |
| Net income | 199,000 | 355,000 | 529,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,933,000 | 12,168,000 | 12,481,000 | 12,625,000 |
| Total capital | 13,561,000 | 13,856,000 | 14,225,000 | 14,393,000 |
| Risk-weighted assets | 130,160,000 | 134,998,000 | 139,473,000 | 143,530,000 |
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