Call reports 2020
VICTORY BANK, THE — 2020
What VICTORY BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 290,833,000 | 414,103,000 | 430,893,000 | 428,920,000 |
| Total loans | 252,245,000 | 302,601,000 | 302,859,000 | 290,673,000 |
| Allowance for loan losses | 2,772,000 | 3,124,000 | 3,338,000 | 3,141,000 |
| Securities available for sale | 10,746,000 | 9,982,000 | 11,536,000 | 13,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,429,000 | 316,372,000 | 331,710,000 | 345,238,000 |
| Interest-bearing deposits | 211,100,000 | 241,130,000 | 271,225,000 | 283,819,000 |
| Noninterest-bearing deposits | 41,329,000 | 75,242,000 | 60,485,000 | 61,419,000 |
| Equity capital | 26,807,000 | 28,025,000 | 29,520,000 | 30,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,633,000 | 7,384,000 | 11,204,000 | 15,476,000 |
| Interest expense | 747,000 | 1,394,000 | 2,052,000 | 2,573,000 |
| Net interest income | 2,886,000 | 5,990,000 | 9,152,000 | 12,903,000 |
| Noninterest income | 97,000 | 237,000 | 361,000 | 589,000 |
| Noninterest expense | 2,038,000 | 3,935,000 | 5,961,000 | 8,289,000 |
| Provision for loan losses | 557,000 | 1,007,000 | 1,236,000 | 1,287,000 |
| Pretax income | 388,000 | 1,285,000 | 2,316,000 | 3,916,000 |
| Income tax | 73,000 | 266,000 | 489,000 | 838,000 |
| Net income | 315,000 | 1,019,000 | 1,827,000 | 3,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,467,000 | 27,671,000 | 29,229,000 | 30,480,000 |
| Total capital | 29,239,000 | 30,751,000 | 32,345,000 | 33,621,000 |
| Risk-weighted assets | 250,656,000 | 246,415,000 | 249,076,000 | 260,741,000 |