Call reports 2013
VICTORY COMMUNITY BANK — 2013
What VICTORY COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 163,550,000 | 158,366,000 | 163,216,000 | 159,077,000 |
| Total loans | 129,493,000 | 128,992,000 | 130,859,000 | 129,612,000 |
| Allowance for loan losses | 932,000 | 940,000 | 957,000 | 1,022,000 |
| Securities available for sale | 815,000 | 2,468,000 | 3,901,000 | 9,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,159,000 | 116,469,000 | 120,770,000 | 121,078,000 |
| Interest-bearing deposits | 103,594,000 | 101,370,000 | 103,845,000 | 103,014,000 |
| Noninterest-bearing deposits | 15,565,000 | 15,099,000 | 16,925,000 | 18,064,000 |
| Equity capital | 19,302,000 | 19,916,000 | 19,673,000 | 19,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,550,000 | 3,105,000 | 4,606,000 | 5,728,000 |
| Interest expense | 326,000 | 646,000 | 967,000 | 1,258,000 |
| Net interest income | 1,224,000 | 2,459,000 | 3,639,000 | 4,470,000 |
| Noninterest income | 1,175,000 | 2,654,000 | 3,478,000 | 4,439,000 |
| Noninterest expense | 939,000 | 1,881,000 | 2,797,000 | 3,703,000 |
| Provision for loan losses | 66,000 | 116,000 | 133,000 | 187,000 |
| Pretax income | 1,405,000 | 3,127,000 | 4,198,000 | 5,013,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,405,000 | 3,127,000 | 4,198,000 | 5,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,139,000 | 19,756,000 | 19,542,000 | 19,538,000 |
| Total capital | 20,071,000 | 20,696,000 | 20,499,000 | 20,560,000 |
| Risk-weighted assets | 91,628,000 | 91,842,000 | 93,440,000 | 94,325,000 |
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