Call reports 2004
VALUEBANK TEXAS — 2004
What VALUEBANK TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 140,563,000 | 141,766,000 | 141,360,000 | 140,197,000 |
| Total loans | 92,088,000 | 97,552,000 | 96,694,000 | 97,178,000 |
| Allowance for loan losses | 915,000 | 1,029,000 | 1,006,000 | 1,006,000 |
| Securities available for sale | 18,727,000 | 17,425,000 | 15,981,000 | 15,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,902,000 | 126,980,000 | 126,040,000 | 125,750,000 |
| Interest-bearing deposits | 77,547,000 | 78,938,000 | 76,353,000 | 76,638,000 |
| Noninterest-bearing deposits | 48,355,000 | 48,042,000 | 49,687,000 | 49,112,000 |
| Equity capital | 12,287,000 | 12,435,000 | 12,802,000 | 12,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,919,000 | 3,887,000 | 6,006,000 | 8,119,000 |
| Interest expense | 130,000 | 255,000 | 383,000 | 524,000 |
| Net interest income | 1,789,000 | 3,632,000 | 5,623,000 | 7,595,000 |
| Noninterest income | 737,000 | 1,798,000 | 2,480,000 | 3,138,000 |
| Noninterest expense | 1,893,000 | 3,823,000 | 5,886,000 | 8,049,000 |
| Provision for loan losses | 46,000 | 130,000 | 198,000 | 247,000 |
| Pretax income | 587,000 | 1,477,000 | 2,019,000 | 2,436,000 |
| Income tax | 200,000 | 502,000 | 686,000 | 828,000 |
| Net income | 387,000 | 975,000 | 1,333,000 | 1,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,249,000 | 12,637,000 | 12,845,000 | 12,665,000 |
| Total capital | 13,164,000 | 13,666,000 | 13,851,000 | 13,671,000 |
| Risk-weighted assets | 101,245,000 | 106,451,000 | 105,513,000 | 106,410,000 |