Call reports 2008
VERITEX COMMUNITY BANK — 2008
What VERITEX COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 110,233,000 | 110,652,000 | 125,529,000 | 115,739,000 |
| Total loans | 75,362,000 | 78,126,000 | 79,362,000 | 81,544,000 |
| Allowance for loan losses | 593,000 | 670,000 | 805,000 | 801,000 |
| Securities available for sale | 25,897,000 | 23,798,000 | 22,271,000 | 25,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,728,000 | 79,681,000 | 99,195,000 | 93,880,000 |
| Interest-bearing deposits | 67,961,000 | 64,150,000 | 80,570,000 | 74,813,000 |
| Noninterest-bearing deposits | 15,767,000 | 15,531,000 | 18,625,000 | 19,067,000 |
| Equity capital | 9,036,000 | 8,558,000 | 8,352,000 | 8,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,575,000 | 3,234,000 | 4,881,000 | 6,564,000 |
| Interest expense | 596,000 | 1,240,000 | 1,892,000 | 2,512,000 |
| Net interest income | 979,000 | 1,994,000 | 2,989,000 | 4,052,000 |
| Noninterest income | 69,000 | 161,000 | 252,000 | 361,000 |
| Noninterest expense | 1,056,000 | 2,002,000 | 3,177,000 | 4,378,000 |
| Provision for loan losses | 98,000 | 175,000 | 668,000 | 728,000 |
| Pretax income | -106,000 | -22,000 | -580,000 | -664,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -106,000 | -22,000 | -580,000 | -664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,970,000 | 8,958,000 | 8,400,000 | 8,335,000 |
| Total capital | 9,563,000 | 9,628,000 | 9,205,000 | 9,136,000 |
| Risk-weighted assets | 75,998,000 | 75,891,000 | 77,588,000 | 77,037,000 |
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