Call reports 2022
VICTORY BANK — 2022
What VICTORY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 73,325,000 | 72,792,000 | 79,702,000 | 76,519,000 |
| Total loans | 28,414,000 | 28,571,000 | 27,173,000 | 27,539,000 |
| Allowance for loan losses | 295,000 | 297,000 | 319,000 | 323,000 |
| Securities available for sale | 5,127,000 | 4,907,000 | 6,477,000 | 9,551,000 |
| Securities held to maturity | 8,460,000 | 8,324,000 | 7,435,000 | 7,403,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,314,000 | 65,888,000 | 72,712,000 | 69,203,000 |
| Interest-bearing deposits | 41,536,000 | 40,617,000 | 43,588,000 | 40,028,000 |
| Noninterest-bearing deposits | 24,778,000 | 25,271,000 | 29,124,000 | 29,175,000 |
| Equity capital | 6,451,000 | 6,316,000 | 6,387,000 | 6,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 512,000 | 1,034,000 | 1,651,000 | 2,427,000 |
| Interest expense | 13,000 | 26,000 | 42,000 | 75,000 |
| Net interest income | 499,000 | 1,008,000 | 1,609,000 | 2,352,000 |
| Noninterest income | 139,000 | 274,000 | 415,000 | 902,000 |
| Noninterest expense | 498,000 | 1,088,000 | 1,655,000 | 2,382,000 |
| Provision for loan losses | 0 | 3,000 | 10,000 | 23,000 |
| Pretax income | 140,000 | 191,000 | 360,000 | 847,000 |
| Income tax | 0 | 0 | 0 | 21,000 |
| Net income | 140,000 | 191,000 | 360,000 | 826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,557,000 | 6,557,000 | 6,705,000 | 7,028,000 |
| Total capital | 6,852,000 | 6,854,000 | 7,024,000 | 7,351,000 |
| Risk-weighted assets | 36,885,000 | 40,231,000 | 36,208,000 | 37,078,000 |