Call reports 2003
VICTORY BANK — 2003
What VICTORY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 21,095,000 | 21,720,000 | 22,014,000 | 24,040,000 |
| Total loans | 11,448,000 | 11,511,000 | 11,180,000 | 10,550,000 |
| Allowance for loan losses | 213,000 | 221,000 | 214,000 | 226,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,253,000 | 6,012,000 | 6,512,000 | 6,262,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,422,000 | 19,989,000 | 20,245,000 | 22,256,000 |
| Interest-bearing deposits | 16,117,000 | 16,784,000 | 17,040,000 | 17,693,000 |
| Noninterest-bearing deposits | 3,305,000 | 3,205,000 | 3,205,000 | 4,563,000 |
| Equity capital | 1,627,000 | 1,684,000 | 1,723,000 | 1,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 326,000 | 646,000 | 966,000 | 1,264,000 |
| Interest expense | 81,000 | 149,000 | 213,000 | 276,000 |
| Net interest income | 245,000 | 497,000 | 753,000 | 988,000 |
| Noninterest income | 58,000 | 124,000 | 189,000 | 323,000 |
| Noninterest expense | 211,000 | 445,000 | 719,000 | 1,086,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 25,000 |
| Pretax income | 92,000 | 166,000 | 213,000 | 200,000 |
| Income tax | 13,000 | 31,000 | 39,000 | 52,000 |
| Net income | 79,000 | 135,000 | 174,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,627,000 | 1,684,000 | 1,723,000 | 1,696,000 |
| Total capital | 1,782,000 | 1,848,000 | 1,878,000 | 1,851,000 |
| Risk-weighted assets | 12,377,000 | 12,465,000 | 12,320,000 | 12,368,000 |
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