Call reports 2016
VICTORY BANK — 2016
What VICTORY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 53,587,000 | 54,964,000 | 53,452,000 | 53,420,000 |
| Total loans | 21,212,000 | 21,096,000 | 21,342,000 | 21,551,000 |
| Allowance for loan losses | 238,000 | 243,000 | 248,000 | 265,000 |
| Securities available for sale | 8,080,000 | 7,855,000 | 6,859,000 | 6,380,000 |
| Securities held to maturity | 12,711,000 | 12,672,000 | 12,982,000 | 13,224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,550,000 | 49,843,000 | 48,227,000 | 48,355,000 |
| Interest-bearing deposits | 35,881,000 | 35,181,000 | 35,967,000 | 34,753,000 |
| Noninterest-bearing deposits | 12,669,000 | 14,662,000 | 12,260,000 | 13,602,000 |
| Equity capital | 4,736,000 | 4,775,000 | 4,878,000 | 4,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 428,000 | 857,000 | 1,291,000 | 1,740,000 |
| Interest expense | 17,000 | 33,000 | 51,000 | 69,000 |
| Net interest income | 411,000 | 824,000 | 1,240,000 | 1,671,000 |
| Noninterest income | 140,000 | 280,000 | 420,000 | 558,000 |
| Noninterest expense | 365,000 | 807,000 | 1,191,000 | 1,646,000 |
| Provision for loan losses | 5,000 | 20,000 | 35,000 | 60,000 |
| Pretax income | 181,000 | 277,000 | 434,000 | 523,000 |
| Income tax | 0 | 0 | 12,000 | 19,000 |
| Net income | 181,000 | 277,000 | 422,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,592,000 | 4,627,000 | 4,749,000 | 4,705,000 |
| Total capital | 4,830,000 | 4,870,000 | 4,997,000 | 4,970,000 |
| Risk-weighted assets | 27,406,000 | 29,976,000 | 27,507,000 | 28,078,000 |