Call reports 2020
VICTORY BANK — 2020
What VICTORY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 59,058,000 | 63,938,000 | 62,681,000 | 64,649,000 |
| Total loans | 28,491,000 | 28,563,000 | 26,689,000 | 25,583,000 |
| Allowance for loan losses | 414,000 | 361,000 | 324,000 | 333,000 |
| Securities available for sale | 4,982,000 | 5,044,000 | 4,510,000 | 4,518,000 |
| Securities held to maturity | 13,600,000 | 13,442,000 | 11,807,000 | 11,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,582,000 | 57,134,000 | 55,773,000 | 57,898,000 |
| Interest-bearing deposits | 36,407,000 | 36,190,000 | 35,112,000 | 36,830,000 |
| Noninterest-bearing deposits | 16,175,000 | 20,944,000 | 20,661,000 | 21,068,000 |
| Equity capital | 6,003,000 | 6,311,000 | 6,399,000 | 6,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 611,000 | 1,256,000 | 1,803,000 | 2,326,000 |
| Interest expense | 44,000 | 77,000 | 97,000 | 113,000 |
| Net interest income | 567,000 | 1,179,000 | 1,706,000 | 2,213,000 |
| Noninterest income | 163,000 | 275,000 | 400,000 | 537,000 |
| Noninterest expense | 466,000 | 973,000 | 1,511,000 | 2,107,000 |
| Provision for loan losses | 123,000 | 145,000 | 168,000 | 183,000 |
| Pretax income | 141,000 | 334,000 | 426,000 | 459,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 141,000 | 334,000 | 426,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,985,000 | 6,137,000 | 6,228,000 | 6,095,000 |
| Total capital | 6,399,000 | 6,498,000 | 6,553,000 | 6,428,000 |
| Risk-weighted assets | 34,308,000 | 35,254,000 | 33,241,000 | 33,251,000 |