Call reports 2009
VICTORY BANK — 2009
What VICTORY 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 | 31,795,000 | 33,459,000 | 34,091,000 | 35,184,000 |
| Total loans | 13,541,000 | 13,827,000 | 13,577,000 | 14,164,000 |
| Allowance for loan losses | 247,000 | 253,000 | 231,000 | 236,000 |
| Securities available for sale | 8,276,000 | 6,664,000 | 7,168,000 | 6,888,000 |
| Securities held to maturity | 1,870,000 | 2,412,000 | 3,668,000 | 4,272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,813,000 | 30,400,000 | 30,971,000 | 32,056,000 |
| Interest-bearing deposits | 22,391,000 | 23,531,000 | 24,252,000 | 23,784,000 |
| Noninterest-bearing deposits | 6,422,000 | 6,869,000 | 6,719,000 | 8,272,000 |
| Equity capital | 2,821,000 | 2,882,000 | 2,956,000 | 2,967,000 |
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 | 382,000 | 753,000 | 1,123,000 | 1,503,000 |
| Interest expense | 68,000 | 125,000 | 178,000 | 230,000 |
| Net interest income | 314,000 | 628,000 | 945,000 | 1,273,000 |
| Noninterest income | 93,000 | 185,000 | 284,000 | 394,000 |
| Noninterest expense | 277,000 | 596,000 | 937,000 | 1,310,000 |
| Provision for loan losses | 4,000 | 10,000 | 16,000 | 29,000 |
| Pretax income | 126,000 | 207,000 | 276,000 | 328,000 |
| Income tax | 48,000 | 48,000 | 33,000 | 33,000 |
| Net income | 78,000 | 159,000 | 243,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,753,000 | 2,833,000 | 2,884,000 | 2,902,000 |
| Total capital | 2,954,000 | 3,041,000 | 3,092,000 | 3,117,000 |
| Risk-weighted assets | 15,999,000 | 16,636,000 | 16,602,000 | 17,201,000 |
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