Call reports 2019
VICTORY BANK, THE — 2019
What VICTORY BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 261,408,000 | 258,359,000 | 267,272,000 | 279,357,000 |
| Total loans | 233,476,000 | 235,793,000 | 237,837,000 | 245,515,000 |
| Allowance for loan losses | 2,172,000 | 2,104,000 | 2,146,000 | 2,213,000 |
| Securities available for sale | 9,366,000 | 10,596,000 | 10,188,000 | 11,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,337,000 | 230,656,000 | 237,717,000 | 249,085,000 |
| Interest-bearing deposits | 191,687,000 | 172,173,000 | 186,435,000 | 188,021,000 |
| Noninterest-bearing deposits | 42,650,000 | 58,483,000 | 51,282,000 | 61,064,000 |
| Equity capital | 23,836,000 | 24,563,000 | 25,374,000 | 26,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,414,000 | 7,017,000 | 10,642,000 | 14,307,000 |
| Interest expense | 789,000 | 1,567,000 | 2,347,000 | 3,083,000 |
| Net interest income | 2,625,000 | 5,450,000 | 8,295,000 | 11,224,000 |
| Noninterest income | 114,000 | 184,000 | 302,000 | 441,000 |
| Noninterest expense | 1,935,000 | 3,839,000 | 5,778,000 | 7,859,000 |
| Provision for loan losses | 73,000 | 282,000 | 357,000 | 424,000 |
| Pretax income | 731,000 | 1,513,000 | 2,462,000 | 3,382,000 |
| Income tax | 152,000 | 317,000 | 530,000 | 740,000 |
| Net income | 579,000 | 1,196,000 | 1,932,000 | 2,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,839,000 | 24,455,000 | 25,192,000 | 25,902,000 |
| Total capital | 26,011,000 | 26,559,000 | 27,338,000 | 28,115,000 |
| Risk-weighted assets | 234,628,000 | 235,642,000 | 239,352,000 | 249,531,000 |
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