Call reports 2009
VERITEX COMMUNITY BANK — 2009
What VERITEX COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 115,917,000 | 126,252,000 | 125,000,000 | 131,464,000 |
| Total loans | 80,521,000 | 82,657,000 | 83,763,000 | 88,663,000 |
| Allowance for loan losses | 866,000 | 869,000 | 934,000 | 1,061,000 |
| Securities available for sale | 23,763,000 | 26,094,000 | 30,186,000 | 30,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,155,000 | 105,914,000 | 104,249,000 | 110,389,000 |
| Interest-bearing deposits | 75,372,000 | 86,558,000 | 85,829,000 | 87,842,000 |
| Noninterest-bearing deposits | 18,783,000 | 19,356,000 | 18,420,000 | 22,546,000 |
| Equity capital | 8,720,000 | 9,720,000 | 10,294,000 | 10,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,628,000 | 3,262,000 | 4,925,000 | 6,638,000 |
| Interest expense | 568,000 | 1,140,000 | 1,644,000 | 2,085,000 |
| Net interest income | 1,060,000 | 2,122,000 | 3,281,000 | 4,553,000 |
| Noninterest income | 88,000 | 178,000 | 297,000 | 414,000 |
| Noninterest expense | 1,043,000 | 2,163,000 | 3,276,000 | 4,376,000 |
| Provision for loan losses | 56,000 | 56,000 | 283,000 | 456,000 |
| Pretax income | 72,000 | 170,000 | 279,000 | 557,000 |
| Income tax | 0 | 0 | -500,000 | -587,000 |
| Net income | 72,000 | 170,000 | 779,000 | 1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,406,000 | 9,531,000 | 10,072,000 | 10,465,000 |
| Total capital | 9,272,000 | 10,400,000 | 11,006,000 | 11,469,000 |
| Risk-weighted assets | 73,118,000 | 74,379,000 | 75,263,000 | 79,524,000 |
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