Call reports 2012
VICTORY BANK — 2012
What VICTORY 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 | 40,056,000 | 41,214,000 | 38,397,000 | 39,422,000 |
| Total loans | 16,058,000 | 16,598,000 | 16,485,000 | 16,627,000 |
| Allowance for loan losses | 240,000 | 247,000 | 253,000 | 250,000 |
| Securities available for sale | 12,272,000 | 12,374,000 | 12,089,000 | 12,088,000 |
| Securities held to maturity | 2,382,000 | 2,461,000 | 3,706,000 | 3,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,158,000 | 37,166,000 | 34,234,000 | 35,221,000 |
| Interest-bearing deposits | 25,743,000 | 26,155,000 | 24,350,000 | 24,727,000 |
| Noninterest-bearing deposits | 10,415,000 | 11,011,000 | 9,884,000 | 10,494,000 |
| Equity capital | 3,712,000 | 3,833,000 | 3,962,000 | 3,995,000 |
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 | 362,000 | 732,000 | 1,096,000 | 1,471,000 |
| Interest expense | 27,000 | 51,000 | 69,000 | 88,000 |
| Net interest income | 335,000 | 681,000 | 1,027,000 | 1,383,000 |
| Noninterest income | 96,000 | 206,000 | 306,000 | 428,000 |
| Noninterest expense | 305,000 | 631,000 | 1,009,000 | 1,414,000 |
| Provision for loan losses | 10,000 | 18,000 | 25,000 | 30,000 |
| Pretax income | 116,000 | 238,000 | 299,000 | 367,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 116,000 | 238,000 | 299,000 | 367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,485,000 | 3,565,000 | 3,612,000 | 3,610,000 |
| Total capital | 3,725,000 | 3,812,000 | 3,865,000 | 3,860,000 |
| Risk-weighted assets | 20,263,000 | 23,977,000 | 20,085,000 | 21,146,000 |