Call reports 2009
VALUEBANK TEXAS — 2009
What VALUEBANK TEXAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 157,770,000 | 159,343,000 | 157,506,000 | 154,543,000 |
| Total loans | 104,421,000 | 102,502,000 | 104,883,000 | 103,160,000 |
| Allowance for loan losses | 1,015,000 | 1,024,000 | 946,000 | 1,476,000 |
| Securities available for sale | 21,508,000 | 28,016,000 | 20,670,000 | 20,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,195,000 | 139,836,000 | 137,853,000 | 134,082,000 |
| Interest-bearing deposits | 86,661,000 | 64,928,000 | 86,902,000 | 83,699,000 |
| Noninterest-bearing deposits | 51,534,000 | 74,908,000 | 50,951,000 | 50,383,000 |
| Equity capital | 16,585,000 | 16,619,000 | 16,624,000 | 16,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,255,000 | 4,482,000 | 6,586,000 | 8,639,000 |
| Interest expense | 225,000 | 474,000 | 698,000 | 892,000 |
| Net interest income | 2,030,000 | 4,008,000 | 5,888,000 | 7,747,000 |
| Noninterest income | 896,000 | 1,732,000 | 2,564,000 | 3,436,000 |
| Noninterest expense | 2,174,000 | 4,407,000 | 6,571,000 | 8,721,000 |
| Provision for loan losses | 42,000 | 84,000 | 137,000 | 784,000 |
| Pretax income | 731,000 | 1,270,000 | 1,765,000 | 1,699,000 |
| Income tax | 242,000 | 423,000 | 587,000 | 546,000 |
| Net income | 489,000 | 847,000 | 1,178,000 | 1,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,053,000 | 16,211,000 | 16,149,000 | 15,724,000 |
| Total capital | 17,068,000 | 17,235,000 | 17,095,000 | 17,125,000 |
| Risk-weighted assets | 114,535,000 | 113,679,000 | 112,464,000 | 112,003,000 |