Call reports 2008
VICTORY BANK — 2008
What VICTORY 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 | 32,064,000 | 32,835,000 | 32,756,000 | 34,258,000 |
| Total loans | 13,355,000 | 12,979,000 | 13,081,000 | 13,436,000 |
| Allowance for loan losses | 236,000 | 229,000 | 227,000 | 241,000 |
| Securities available for sale | 6,857,000 | 8,089,000 | 8,989,000 | 7,857,000 |
| Securities held to maturity | 2,804,000 | 2,447,000 | 2,248,000 | 1,997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,256,000 | 30,201,000 | 29,921,000 | 31,338,000 |
| Interest-bearing deposits | 21,379,000 | 22,993,000 | 22,489,000 | 22,860,000 |
| Noninterest-bearing deposits | 7,877,000 | 7,208,000 | 7,432,000 | 8,478,000 |
| Equity capital | 2,597,000 | 2,424,000 | 2,663,000 | 2,753,000 |
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 | 467,000 | 913,000 | 1,353,000 | 1,782,000 |
| Interest expense | 157,000 | 286,000 | 387,000 | 486,000 |
| Net interest income | 310,000 | 627,000 | 966,000 | 1,296,000 |
| Noninterest income | 82,000 | 169,000 | 269,000 | 355,000 |
| Noninterest expense | 251,000 | 525,000 | 843,000 | 1,195,000 |
| Provision for loan losses | 1,000 | -1,000 | -1,000 | 26,000 |
| Pretax income | 140,000 | 272,000 | 393,000 | 430,000 |
| Income tax | 42,000 | 79,000 | 110,000 | 139,000 |
| Net income | 98,000 | 193,000 | 283,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,524,000 | 2,619,000 | 2,708,000 | 2,692,000 |
| Total capital | 2,719,000 | 2,848,000 | 2,909,000 | 2,899,000 |
| Risk-weighted assets | 15,772,000 | 19,708,000 | 16,060,000 | 16,693,000 |
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