Call reports 2006
VALUEBANK TEXAS — 2006
What VALUEBANK TEXAS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 147,425,000 | 148,517,000 | 153,829,000 | 151,004,000 |
| Total loans | 97,637,000 | 98,554,000 | 99,101,000 | 97,172,000 |
| Allowance for loan losses | 1,051,000 | 1,053,000 | 1,050,000 | 1,039,000 |
| Securities available for sale | 10,833,000 | 10,374,000 | 12,114,000 | 12,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,273,000 | 131,124,000 | 136,179,000 | 133,490,000 |
| Interest-bearing deposits | 74,201,000 | 76,353,000 | 81,683,000 | 81,460,000 |
| Noninterest-bearing deposits | 56,072,000 | 54,772,000 | 54,496,000 | 52,030,000 |
| Equity capital | 13,287,000 | 13,697,000 | 14,056,000 | 13,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,443,000 | 5,135,000 | 7,872,000 | 10,650,000 |
| Interest expense | 335,000 | 725,000 | 1,188,000 | 1,783,000 |
| Net interest income | 2,108,000 | 4,410,000 | 6,684,000 | 8,867,000 |
| Noninterest income | 771,000 | 1,600,000 | 2,439,000 | 3,367,000 |
| Noninterest expense | 2,034,000 | 4,122,000 | 6,283,000 | 8,564,000 |
| Provision for loan losses | 20,000 | 34,000 | 59,000 | 81,000 |
| Pretax income | 825,000 | 1,854,000 | 2,781,000 | 3,589,000 |
| Income tax | 276,000 | 622,000 | 935,000 | 1,204,000 |
| Net income | 549,000 | 1,232,000 | 1,846,000 | 2,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,522,000 | 13,980,000 | 14,254,000 | 14,098,000 |
| Total capital | 14,573,000 | 15,033,000 | 15,304,000 | 15,137,000 |
| Risk-weighted assets | 109,125,000 | 113,792,000 | 113,003,000 | 113,005,000 |