Call reports 2018
VICTORY BANK, THE — 2018
What VICTORY BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 225,596,000 | 231,113,000 | 242,054,000 | 251,612,000 |
| Total loans | 211,397,000 | 214,355,000 | 224,243,000 | 230,587,000 |
| Allowance for loan losses | 1,817,000 | 1,923,000 | 2,064,000 | 2,096,000 |
| Securities available for sale | 5,613,000 | 7,270,000 | 6,865,000 | 9,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,382,000 | 194,643,000 | 217,479,000 | 223,929,000 |
| Interest-bearing deposits | 156,469,000 | 159,525,000 | 182,128,000 | 184,929,000 |
| Noninterest-bearing deposits | 32,913,000 | 35,118,000 | 35,351,000 | 39,000,000 |
| Equity capital | 20,322,000 | 20,806,000 | 21,642,000 | 22,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,792,000 | 5,782,000 | 8,909,000 | 12,267,000 |
| Interest expense | 466,000 | 1,015,000 | 1,640,000 | 2,312,000 |
| Net interest income | 2,326,000 | 4,767,000 | 7,269,000 | 9,955,000 |
| Noninterest income | 70,000 | 171,000 | 346,000 | 440,000 |
| Noninterest expense | 1,728,000 | 3,547,000 | 5,336,000 | 7,179,000 |
| Provision for loan losses | 29,000 | 97,000 | 185,000 | 293,000 |
| Pretax income | 639,000 | 1,294,000 | 2,094,000 | 2,923,000 |
| Income tax | 138,000 | 277,000 | 448,000 | 636,000 |
| Net income | 501,000 | 1,017,000 | 1,646,000 | 2,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,424,000 | 20,938,000 | 21,818,000 | 22,460,000 |
| Total capital | 22,241,000 | 22,861,000 | 23,882,000 | 24,556,000 |
| Risk-weighted assets | 207,960,000 | 213,607,000 | 224,236,000 | 231,380,000 |