Call reports 2015
VICTORY BANK — 2015
What VICTORY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 58,246,000 | 61,388,000 | 54,422,000 | 54,499,000 |
| Total loans | 20,866,000 | 21,177,000 | 20,986,000 | 21,203,000 |
| Allowance for loan losses | 259,000 | 262,000 | 252,000 | 244,000 |
| Securities available for sale | 9,472,000 | 9,195,000 | 8,927,000 | 8,514,000 |
| Securities held to maturity | 10,904,000 | 12,352,000 | 13,233,000 | 13,165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,572,000 | 56,655,000 | 49,536,000 | 49,659,000 |
| Interest-bearing deposits | 32,744,000 | 37,391,000 | 36,242,000 | 35,519,000 |
| Noninterest-bearing deposits | 20,828,000 | 19,264,000 | 13,294,000 | 14,140,000 |
| Equity capital | 4,400,000 | 4,445,000 | 4,573,000 | 4,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 412,000 | 833,000 | 1,263,000 | 1,693,000 |
| Interest expense | 17,000 | 34,000 | 53,000 | 69,000 |
| Net interest income | 395,000 | 799,000 | 1,210,000 | 1,624,000 |
| Noninterest income | 110,000 | 233,000 | 370,000 | 518,000 |
| Noninterest expense | 362,000 | 742,000 | 1,179,000 | 1,654,000 |
| Provision for loan losses | 7,000 | 15,000 | 28,000 | 33,000 |
| Pretax income | 136,000 | 275,000 | 373,000 | 454,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 136,000 | 275,000 | 373,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,263,000 | 4,353,000 | 4,430,000 | 4,410,000 |
| Total capital | 4,522,000 | 4,615,000 | 4,682,000 | 4,654,000 |
| Risk-weighted assets | 28,027,000 | 30,217,000 | 28,134,000 | 27,317,000 |