Call reports 2005
VALUEBANK TEXAS — 2005
What VALUEBANK TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 137,767,000 | 138,391,000 | 141,136,000 | 140,372,000 |
| Total loans | 97,428,000 | 102,776,000 | 103,539,000 | 99,233,000 |
| Allowance for loan losses | 1,024,000 | 1,048,000 | 1,076,000 | 1,058,000 |
| Securities available for sale | 14,693,000 | 12,271,000 | 11,708,000 | 11,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,577,000 | 123,308,000 | 125,674,000 | 126,070,000 |
| Interest-bearing deposits | 74,344,000 | 75,469,000 | 74,736,000 | 72,797,000 |
| Noninterest-bearing deposits | 48,233,000 | 47,839,000 | 50,938,000 | 53,273,000 |
| Equity capital | 12,943,000 | 13,120,000 | 13,549,000 | 12,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,098,000 | 4,292,000 | 6,689,000 | 9,198,000 |
| Interest expense | 158,000 | 364,000 | 608,000 | 880,000 |
| Net interest income | 1,940,000 | 3,928,000 | 6,081,000 | 8,318,000 |
| Noninterest income | 1,044,000 | 1,839,000 | 2,737,000 | 3,529,000 |
| Noninterest expense | 1,972,000 | 3,975,000 | 6,102,000 | 8,340,000 |
| Provision for loan losses | 40,000 | 103,000 | 149,000 | 170,000 |
| Pretax income | 970,000 | 1,686,000 | 2,565,000 | 3,335,000 |
| Income tax | 330,000 | 573,000 | 872,000 | 1,134,000 |
| Net income | 640,000 | 1,113,000 | 1,693,000 | 2,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,133,000 | 13,255,000 | 13,705,000 | 13,063,000 |
| Total capital | 14,157,000 | 14,303,000 | 14,781,000 | 14,121,000 |
| Risk-weighted assets | 107,797,000 | 112,115,000 | 113,538,000 | 110,002,000 |