Call reports 2016
VICTORY BANK, THE — 2016
What VICTORY BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 182,100,000 | 185,789,000 | 192,966,000 | 200,542,000 |
| Total loans | 172,070,000 | 177,009,000 | 183,478,000 | 187,310,000 |
| Allowance for loan losses | 1,836,000 | 1,911,000 | 1,936,000 | 1,865,000 |
| Securities available for sale | 1,029,000 | 952,000 | 859,000 | 3,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,680,000 | 150,524,000 | 149,436,000 | 157,730,000 |
| Interest-bearing deposits | 123,604,000 | 127,126,000 | 128,566,000 | 133,069,000 |
| Noninterest-bearing deposits | 25,076,000 | 23,398,000 | 20,870,000 | 24,661,000 |
| Equity capital | 15,404,000 | 15,771,000 | 16,099,000 | 16,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,115,000 | 4,288,000 | 6,563,000 | 8,912,000 |
| Interest expense | 300,000 | 603,000 | 934,000 | 1,268,000 |
| Net interest income | 1,815,000 | 3,685,000 | 5,629,000 | 7,644,000 |
| Noninterest income | 91,000 | 247,000 | 340,000 | 457,000 |
| Noninterest expense | 1,404,000 | 2,869,000 | 4,320,000 | 5,849,000 |
| Provision for loan losses | 90,000 | 165,000 | 250,000 | 484,000 |
| Pretax income | 412,000 | 898,000 | 1,399,000 | 1,768,000 |
| Income tax | 149,000 | 330,000 | 501,000 | 617,000 |
| Net income | 263,000 | 568,000 | 898,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,383,000 | 15,748,000 | 16,079,000 | 16,532,000 |
| Total capital | 17,219,000 | 17,659,000 | 18,015,000 | 18,397,000 |
| Risk-weighted assets | 167,176,000 | 170,341,000 | 176,831,000 | 182,427,000 |