Call reports 2015
VICTORY BANK, THE — 2015
What VICTORY BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 161,543,000 | 164,896,000 | 166,702,000 | 176,918,000 |
| Total loans | 148,419,000 | 153,787,000 | 157,802,000 | 167,314,000 |
| Allowance for loan losses | 1,816,000 | 1,923,000 | 1,978,000 | 1,762,000 |
| Securities available for sale | 1,441,000 | 1,302,000 | 1,181,000 | 1,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,766,000 | 139,791,000 | 135,645,000 | 141,917,000 |
| Interest-bearing deposits | 115,280,000 | 117,841,000 | 114,714,000 | 121,636,000 |
| Noninterest-bearing deposits | 23,486,000 | 21,950,000 | 20,931,000 | 20,281,000 |
| Equity capital | 12,943,000 | 13,122,000 | 14,126,000 | 15,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,921,000 | 3,857,000 | 5,870,000 | 7,897,000 |
| Interest expense | 286,000 | 586,000 | 894,000 | 1,199,000 |
| Net interest income | 1,635,000 | 3,271,000 | 4,976,000 | 6,698,000 |
| Noninterest income | 63,000 | 145,000 | 209,000 | 285,000 |
| Noninterest expense | 1,406,000 | 2,713,000 | 4,020,000 | 5,328,000 |
| Provision for loan losses | 46,000 | 152,000 | 207,000 | 272,000 |
| Pretax income | 246,000 | 551,000 | 958,000 | 1,383,000 |
| Income tax | -53,000 | 58,000 | 223,000 | 323,000 |
| Net income | 299,000 | 493,000 | 735,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,897,000 | 13,101,000 | 14,109,000 | 15,120,000 |
| Total capital | 14,697,000 | 15,004,000 | 16,062,000 | 16,882,000 |
| Risk-weighted assets | 143,994,000 | 152,243,000 | 156,227,000 | 165,839,000 |