Call reports 2014
VICTORY COMMUNITY BANK — 2014
What VICTORY COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 157,086,000 | 162,656,000 | 164,444,000 | 162,765,000 |
| Total loans | 132,003,000 | 128,910,000 | 126,366,000 | 127,020,000 |
| Allowance for loan losses | 1,022,000 | 948,000 | 939,000 | 935,000 |
| Securities available for sale | 2,060,000 | 1,882,000 | 2,116,000 | 12,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,557,000 | 123,413,000 | 124,056,000 | 121,797,000 |
| Interest-bearing deposits | 106,635,000 | 108,774,000 | 107,668,000 | 107,872,000 |
| Noninterest-bearing deposits | 11,922,000 | 14,639,000 | 16,388,000 | 13,925,000 |
| Equity capital | 19,934,000 | 20,212,000 | 20,312,000 | 21,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,475,000 | 2,960,000 | 4,401,000 | 5,841,000 |
| Interest expense | 282,000 | 577,000 | 889,000 | 1,210,000 |
| Net interest income | 1,193,000 | 2,383,000 | 3,512,000 | 4,631,000 |
| Noninterest income | 531,000 | 1,189,000 | 1,797,000 | 2,583,000 |
| Noninterest expense | 948,000 | 1,937,000 | 2,880,000 | 3,608,000 |
| Provision for loan losses | 0 | 27,000 | 80,000 | 92,000 |
| Pretax income | 776,000 | 1,608,000 | 2,349,000 | 3,514,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 776,000 | 1,608,000 | 2,349,000 | 3,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,703,000 | 19,951,000 | 20,064,000 | 21,224,000 |
| Total capital | 20,725,000 | 20,899,000 | 21,003,000 | 22,159,000 |
| Risk-weighted assets | 92,411,000 | 92,034,000 | 91,525,000 | 92,987,000 |
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