Call reports 2016
VICTORY COMMUNITY BANK — 2016
What VICTORY COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 167,018,000 | 168,278,000 | 168,878,000 | 176,074,000 |
| Total loans | 136,084,000 | 137,600,000 | 140,269,000 | 142,667,000 |
| Allowance for loan losses | 910,000 | 1,010,000 | 1,019,000 | 1,069,000 |
| Securities available for sale | 2,658,000 | 2,668,000 | 2,666,000 | 16,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,282,000 | 124,225,000 | 124,686,000 | 122,817,000 |
| Interest-bearing deposits | 102,109,000 | 101,738,000 | 100,442,000 | 101,880,000 |
| Noninterest-bearing deposits | 20,173,000 | 22,487,000 | 24,244,000 | 20,937,000 |
| Equity capital | 21,721,000 | 22,699,000 | 22,915,000 | 23,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,458,000 | 2,984,000 | 4,540,000 | 6,098,000 |
| Interest expense | 314,000 | 647,000 | 980,000 | 1,305,000 |
| Net interest income | 1,144,000 | 2,337,000 | 3,560,000 | 4,793,000 |
| Noninterest income | 871,000 | 2,052,000 | 3,415,000 | 5,114,000 |
| Noninterest expense | 1,166,000 | 2,442,000 | 3,619,000 | 4,825,000 |
| Provision for loan losses | 225,000 | 356,000 | 365,000 | 375,000 |
| Pretax income | 624,000 | 1,591,000 | 2,991,000 | 4,707,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 624,000 | 1,591,000 | 2,991,000 | 4,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,370,000 | 22,587,000 | 22,807,000 | 23,473,000 |
| Total capital | 22,280,000 | 23,597,000 | 23,826,000 | 24,542,000 |
| Risk-weighted assets | 99,131,000 | 99,808,000 | 99,860,000 | 101,417,000 |