Call reports 2021
VICTORY BANK, THE — 2021
What VICTORY BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 431,791,000 | 452,063,000 | 446,220,000 | 443,951,000 |
| Total loans | 299,264,000 | 309,813,000 | 305,537,000 | 305,080,000 |
| Allowance for loan losses | 3,220,000 | 3,343,000 | 3,363,000 | 3,454,000 |
| Securities available for sale | 18,650,000 | 18,573,000 | 18,341,000 | 24,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,437,000 | 406,855,000 | 400,124,000 | 396,047,000 |
| Interest-bearing deposits | 265,953,000 | 301,729,000 | 294,999,000 | 323,161,000 |
| Noninterest-bearing deposits | 100,484,000 | 105,126,000 | 105,125,000 | 72,886,000 |
| Equity capital | 32,105,000 | 32,944,000 | 33,982,000 | 35,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,195,000 | 8,287,000 | 12,629,000 | 16,753,000 |
| Interest expense | 422,000 | 824,000 | 1,239,000 | 1,618,000 |
| Net interest income | 3,773,000 | 7,463,000 | 11,390,000 | 15,135,000 |
| Noninterest income | 156,000 | 304,000 | 454,000 | 992,000 |
| Noninterest expense | 2,274,000 | 4,868,000 | 7,550,000 | 10,021,000 |
| Provision for loan losses | 73,000 | 223,000 | 243,000 | 334,000 |
| Pretax income | 1,582,000 | 2,676,000 | 4,051,000 | 5,772,000 |
| Income tax | 320,000 | 551,000 | 843,000 | 1,041,000 |
| Net income | 1,262,000 | 2,125,000 | 3,208,000 | 4,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,741,000 | 32,604,000 | 33,689,000 | 35,211,000 |
| Total capital | 34,961,000 | 35,947,000 | 37,052,000 | 38,665,000 |
| Risk-weighted assets | 263,776,000 | 281,176,000 | 286,486,000 | 297,927,000 |
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