Call reports 2001
VALUEBANK TEXAS — 2001
What VALUEBANK TEXAS reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 135,235,000 | 139,788,000 | 141,316,000 | 142,682,000 |
| Total loans | 94,936,000 | 96,929,000 | 95,113,000 | 92,650,000 |
| Allowance for loan losses | 1,135,000 | 1,147,000 | 1,125,000 | 1,010,000 |
| Securities available for sale | 17,702,000 | 21,471,000 | 19,163,000 | 22,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,028,000 | 126,540,000 | 127,737,000 | 129,325,000 |
| Interest-bearing deposits | 85,390,000 | 87,698,000 | 87,881,000 | 87,719,000 |
| Noninterest-bearing deposits | 36,638,000 | 38,842,000 | 39,856,000 | 41,606,000 |
| Equity capital | 10,466,000 | 10,434,000 | 10,792,000 | 10,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,706,000 | 5,418,000 | 8,078,000 | 10,438,000 |
| Interest expense | 839,000 | 1,585,000 | 2,223,000 | 2,690,000 |
| Net interest income | 1,867,000 | 3,833,000 | 5,855,000 | 7,748,000 |
| Noninterest income | 674,000 | 1,366,000 | 1,921,000 | 2,639,000 |
| Noninterest expense | 1,892,000 | 4,033,000 | 6,049,000 | 8,206,000 |
| Provision for loan losses | 31,000 | 68,000 | 106,000 | 253,000 |
| Pretax income | 618,000 | 1,129,000 | 1,652,000 | 1,988,000 |
| Income tax | 210,000 | 384,000 | 561,000 | 675,000 |
| Net income | 408,000 | 745,000 | 1,091,000 | 1,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,376,000 | 10,458,000 | 10,569,000 | 10,503,000 |
| Total capital | 11,511,000 | 11,605,000 | 11,694,000 | 11,513,000 |
| Risk-weighted assets | 101,185,000 | 101,509,000 | 102,116,000 | 96,758,000 |