Call reports 2007
VERITEX COMMUNITY BANK — 2007
What VERITEX COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 78,532,000 | 82,467,000 | 88,999,000 | 87,580,000 |
| Total loans | 54,080,000 | 56,877,000 | 60,962,000 | 66,597,000 |
| Allowance for loan losses | 455,000 | 485,000 | 520,000 | 496,000 |
| Securities available for sale | 8,207,000 | 9,529,000 | 12,522,000 | 12,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,707,000 | 70,070,000 | 76,457,000 | 73,078,000 |
| Interest-bearing deposits | 47,753,000 | 52,592,000 | 60,533,000 | 54,578,000 |
| Noninterest-bearing deposits | 20,954,000 | 17,478,000 | 15,924,000 | 18,500,000 |
| Equity capital | 6,560,000 | 9,005,000 | 9,139,000 | 9,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,330,000 | 2,807,000 | 4,360,000 | 5,870,000 |
| Interest expense | 461,000 | 1,021,000 | 1,594,000 | 2,173,000 |
| Net interest income | 869,000 | 1,786,000 | 2,766,000 | 3,697,000 |
| Noninterest income | 106,000 | 148,000 | 212,000 | 271,000 |
| Noninterest expense | 909,000 | 1,834,000 | 2,783,000 | 3,796,000 |
| Provision for loan losses | 11,000 | 41,000 | 76,000 | 156,000 |
| Pretax income | 55,000 | 59,000 | 119,000 | 16,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 55,000 | 59,000 | 119,000 | 16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,615,000 | 9,119,000 | 9,178,000 | 9,076,000 |
| Total capital | 7,070,000 | 9,604,000 | 9,698,000 | 9,572,000 |
| Risk-weighted assets | 55,154,000 | 58,502,000 | 62,130,000 | 65,094,000 |
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