Call reports 2012
VERITEX COMMUNITY BANK — 2012
What VERITEX COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 442,735,000 | 470,936,000 | 504,195,000 | 523,401,000 |
| Total loans | 310,024,000 | 342,886,000 | 362,126,000 | 400,335,000 |
| Allowance for loan losses | 1,313,000 | 1,839,000 | 2,448,000 | 3,238,000 |
| Securities available for sale | 38,014,000 | 34,611,000 | 32,269,000 | 29,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,619,000 | 397,494,000 | 430,262,000 | 449,068,000 |
| Interest-bearing deposits | 250,806,000 | 256,782,000 | 268,649,000 | 277,405,000 |
| Noninterest-bearing deposits | 119,813,000 | 140,712,000 | 161,613,000 | 171,663,000 |
| Equity capital | 60,800,000 | 61,918,000 | 62,424,000 | 63,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,884,000 | 9,961,000 | 15,605,000 | 21,477,000 |
| Interest expense | 540,000 | 1,080,000 | 1,648,000 | 2,224,000 |
| Net interest income | 4,344,000 | 8,881,000 | 13,957,000 | 19,253,000 |
| Noninterest income | 209,000 | 561,000 | 1,010,000 | 1,552,000 |
| Noninterest expense | 3,792,000 | 7,811,000 | 12,188,000 | 16,122,000 |
| Provision for loan losses | 475,000 | 1,200,000 | 1,887,000 | 2,953,000 |
| Pretax income | 286,000 | 431,000 | 892,000 | 1,730,000 |
| Income tax | 121,000 | 210,000 | 342,000 | 640,000 |
| Net income | 165,000 | 221,000 | 550,000 | 1,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,995,000 | 41,152,000 | 41,591,000 | 42,122,000 |
| Total capital | 41,308,000 | 42,991,000 | 44,039,000 | 45,360,000 |
| Risk-weighted assets | 306,888,000 | 338,180,000 | 355,587,000 | 388,165,000 |