Call reports 2015
VICTORY COMMUNITY BANK — 2015
What VICTORY COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 166,655,000 | 160,019,000 | 162,615,000 | 157,983,000 |
| Total loans | 130,761,000 | 129,618,000 | 126,268,000 | 130,253,000 |
| Allowance for loan losses | 704,000 | 793,000 | 780,000 | 804,000 |
| Securities available for sale | 2,151,000 | 1,624,000 | 1,629,000 | 11,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,321,000 | 120,151,000 | 119,052,000 | 113,395,000 |
| Interest-bearing deposits | 106,537,000 | 100,429,000 | 100,463,000 | 99,004,000 |
| Noninterest-bearing deposits | 19,784,000 | 19,722,000 | 18,589,000 | 14,391,000 |
| Equity capital | 21,004,000 | 21,168,000 | 21,441,000 | 21,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,424,000 | 2,870,000 | 4,275,000 | 5,717,000 |
| Interest expense | 309,000 | 604,000 | 905,000 | 1,219,000 |
| Net interest income | 1,115,000 | 2,266,000 | 3,370,000 | 4,498,000 |
| Noninterest income | 860,000 | 1,670,000 | 2,498,000 | 3,562,000 |
| Noninterest expense | 941,000 | 1,992,000 | 2,983,000 | 3,983,000 |
| Provision for loan losses | 117,000 | 184,000 | 230,000 | 238,000 |
| Pretax income | 917,000 | 1,760,000 | 2,655,000 | 3,839,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 917,000 | 1,760,000 | 2,655,000 | 3,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,909,000 | 21,102,000 | 21,368,000 | 21,881,000 |
| Total capital | 21,613,000 | 21,895,000 | 22,148,000 | 22,685,000 |
| Risk-weighted assets | 93,563,000 | 92,622,000 | 93,992,000 | 95,880,000 |