Call reports 2022
VICTORY BANK, THE — 2022
What VICTORY BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 458,182,000 | 457,379,000 | 437,634,000 | 423,876,000 |
| Total loans | 301,075,000 | 313,756,000 | 315,717,000 | 330,742,000 |
| Allowance for loan losses | 3,501,000 | 3,512,000 | 3,498,000 | 3,275,000 |
| Securities available for sale | 33,019,000 | 31,587,000 | 40,633,000 | 38,885,000 |
| Securities held to maturity | 0 | 27,891,000 | 32,876,000 | 12,883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,854,000 | 415,224,000 | 395,037,000 | 380,263,000 |
| Interest-bearing deposits | 326,855,000 | 334,744,000 | 317,703,000 | 306,151,000 |
| Noninterest-bearing deposits | 85,999,000 | 80,480,000 | 77,334,000 | 74,112,000 |
| Equity capital | 35,753,000 | 36,468,000 | 36,521,000 | 37,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,349,000 | 8,899,000 | 13,896,000 | 19,451,000 |
| Interest expense | 344,000 | 787,000 | 1,523,000 | 2,843,000 |
| Net interest income | 4,005,000 | 8,112,000 | 12,373,000 | 16,608,000 |
| Noninterest income | 137,000 | 286,000 | 420,000 | 545,000 |
| Noninterest expense | 2,689,000 | 5,353,000 | 8,028,000 | 11,003,000 |
| Provision for loan losses | 40,000 | 134,000 | 177,000 | -26,000 |
| Pretax income | 1,413,000 | 2,911,000 | 4,588,000 | 5,590,000 |
| Income tax | 296,000 | 597,000 | 935,000 | 1,147,000 |
| Net income | 1,117,000 | 2,314,000 | 3,653,000 | 4,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,328,000 | 37,525,000 | 38,863,000 | 39,652,000 |
| Total capital | 39,829,000 | 41,037,000 | 42,361,000 | 42,927,000 |
| Risk-weighted assets | 323,287,000 | 337,516,000 | 344,017,000 | 350,303,000 |