Call reports 2003
VALUEBANK TEXAS — 2003
What VALUEBANK TEXAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 145,509,000 | 137,904,000 | 141,268,000 | 141,211,000 |
| Total loans | 89,603,000 | 89,155,000 | 88,110,000 | 87,319,000 |
| Allowance for loan losses | 932,000 | 929,000 | 938,000 | 946,000 |
| Securities available for sale | 22,086,000 | 20,450,000 | 20,339,000 | 22,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,028,000 | 124,133,000 | 127,347,000 | 127,380,000 |
| Interest-bearing deposits | 90,485,000 | 80,585,000 | 83,624,000 | 79,359,000 |
| Noninterest-bearing deposits | 41,543,000 | 43,548,000 | 43,723,000 | 48,021,000 |
| Equity capital | 11,626,000 | 11,648,000 | 11,900,000 | 11,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,929,000 | 3,781,000 | 5,679,000 | 7,532,000 |
| Interest expense | 181,000 | 347,000 | 501,000 | 640,000 |
| Net interest income | 1,748,000 | 3,434,000 | 5,178,000 | 6,892,000 |
| Noninterest income | 796,000 | 1,473,000 | 2,242,000 | 3,001,000 |
| Noninterest expense | 1,904,000 | 3,773,000 | 5,772,000 | 7,690,000 |
| Provision for loan losses | 39,000 | 68,000 | 97,000 | 127,000 |
| Pretax income | 712,000 | 1,177,000 | 1,662,000 | 2,187,000 |
| Income tax | 242,000 | 400,000 | 565,000 | 744,000 |
| Net income | 470,000 | 777,000 | 1,097,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,581,000 | 11,613,000 | 11,932,000 | 11,862,000 |
| Total capital | 12,513,000 | 12,542,000 | 12,870,000 | 12,808,000 |
| Risk-weighted assets | 97,289,000 | 95,878,000 | 94,613,000 | 96,881,000 |