Call reports 2017
VICTORY BANK — 2017
What VICTORY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 53,562,000 | 54,110,000 | 54,126,000 | 57,251,000 |
| Total loans | 21,485,000 | 20,101,000 | 20,117,000 | 19,356,000 |
| Allowance for loan losses | 406,000 | 286,000 | 292,000 | 263,000 |
| Securities available for sale | 5,659,000 | 5,534,000 | 4,802,000 | 4,548,000 |
| Securities held to maturity | 12,436,000 | 13,112,000 | 12,646,000 | 13,666,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,465,000 | 48,833,000 | 48,716,000 | 51,957,000 |
| Interest-bearing deposits | 34,895,000 | 34,527,000 | 34,464,000 | 35,490,000 |
| Noninterest-bearing deposits | 13,570,000 | 14,306,000 | 14,252,000 | 16,467,000 |
| Equity capital | 4,760,000 | 4,929,000 | 5,036,000 | 4,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 433,000 | 871,000 | 1,307,000 | 1,754,000 |
| Interest expense | 18,000 | 39,000 | 59,000 | 81,000 |
| Net interest income | 415,000 | 832,000 | 1,248,000 | 1,673,000 |
| Noninterest income | 140,000 | 269,000 | 399,000 | 560,000 |
| Noninterest expense | 411,000 | 804,000 | 1,230,000 | 1,699,000 |
| Provision for loan losses | 133,000 | 135,000 | 143,000 | 150,000 |
| Pretax income | 11,000 | 162,000 | 274,000 | 384,000 |
| Income tax | 6,000 | 0 | 0 | 0 |
| Net income | 5,000 | 162,000 | 274,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,710,000 | 4,867,000 | 4,980,000 | 4,907,000 |
| Total capital | 5,063,000 | 5,153,000 | 5,272,000 | 5,170,000 |
| Risk-weighted assets | 28,211,000 | 27,173,000 | 27,464,000 | 26,745,000 |