Call reports 2008
VALUEBANK TEXAS — 2008
What VALUEBANK TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 171,296,000 | 165,540,000 | 159,648,000 | 158,428,000 |
| Total loans | 103,314,000 | 101,445,000 | 98,200,000 | 100,813,000 |
| Allowance for loan losses | 983,000 | 1,040,000 | 1,014,000 | 1,025,000 |
| Securities available for sale | 18,354,000 | 20,994,000 | 25,667,000 | 25,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,773,000 | 145,955,000 | 140,248,000 | 138,758,000 |
| Interest-bearing deposits | 92,572,000 | 91,648,000 | 89,587,000 | 86,720,000 |
| Noninterest-bearing deposits | 59,201,000 | 54,307,000 | 50,661,000 | 52,038,000 |
| Equity capital | 15,624,000 | 15,551,000 | 16,126,000 | 16,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,652,000 | 5,141,000 | 7,556,000 | 9,862,000 |
| Interest expense | 551,000 | 988,000 | 1,364,000 | 1,655,000 |
| Net interest income | 2,101,000 | 4,153,000 | 6,192,000 | 8,207,000 |
| Noninterest income | 911,000 | 1,842,000 | 2,731,000 | 3,680,000 |
| Noninterest expense | 2,248,000 | 4,426,000 | 6,679,000 | 9,081,000 |
| Provision for loan losses | 6,000 | 69,000 | 129,000 | 140,000 |
| Pretax income | 758,000 | 1,500,000 | 2,115,000 | 2,666,000 |
| Income tax | 251,000 | 500,000 | 706,000 | 889,000 |
| Net income | 507,000 | 1,000,000 | 1,409,000 | 1,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,431,000 | 15,627,000 | 16,043,000 | 15,563,000 |
| Total capital | 16,414,000 | 16,667,000 | 17,057,000 | 16,588,000 |
| Risk-weighted assets | 121,098,000 | 118,801,000 | 113,138,000 | 112,170,000 |