Call reports 2012
VICTORY COMMUNITY BANK — 2012
What VICTORY COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 152,120,000 | 153,496,000 | 156,965,000 | 154,607,000 |
| Total loans | 120,395,000 | 123,290,000 | 130,934,000 | 130,447,000 |
| Allowance for loan losses | 842,000 | 855,000 | 854,000 | 970,000 |
| Securities available for sale | 1,288,000 | 1,305,000 | 838,000 | 10,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,482,000 | 111,491,000 | 113,955,000 | 109,788,000 |
| Interest-bearing deposits | 98,918,000 | 100,141,000 | 99,221,000 | 99,679,000 |
| Noninterest-bearing deposits | 14,564,000 | 11,350,000 | 14,734,000 | 10,109,000 |
| Equity capital | 19,437,000 | 20,101,000 | 20,880,000 | 17,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,536,000 | 3,123,000 | 4,697,000 | 6,300,000 |
| Interest expense | 431,000 | 854,000 | 1,281,000 | 1,640,000 |
| Net interest income | 1,105,000 | 2,269,000 | 3,416,000 | 4,660,000 |
| Noninterest income | 1,246,000 | 1,949,000 | 3,021,000 | 4,036,000 |
| Noninterest expense | 911,000 | 1,798,000 | 2,755,000 | 3,770,000 |
| Provision for loan losses | 21,000 | 57,000 | 76,000 | 282,000 |
| Pretax income | 1,419,000 | 2,363,000 | 3,606,000 | 4,644,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,419,000 | 2,363,000 | 3,606,000 | 4,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,351,000 | 19,980,000 | 20,710,000 | 17,745,000 |
| Total capital | 20,193,000 | 20,835,000 | 21,564,000 | 18,715,000 |
| Risk-weighted assets | 89,171,000 | 90,539,000 | 94,556,000 | 94,681,000 |
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