Call reports 2010
VALUEBANK TEXAS — 2010
What VALUEBANK TEXAS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 168,096,000 | 158,685,000 | 158,076,000 | 157,925,000 |
| Total loans | 97,406,000 | 98,842,000 | 93,604,000 | 90,717,000 |
| Allowance for loan losses | 1,490,000 | 1,489,000 | 1,490,000 | 1,446,000 |
| Securities available for sale | 19,734,000 | 18,975,000 | 21,973,000 | 20,427,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,991,000 | 139,220,000 | 138,517,000 | 139,743,000 |
| Interest-bearing deposits | 91,800,000 | 87,673,000 | 88,771,000 | 88,837,000 |
| Noninterest-bearing deposits | 57,191,000 | 51,547,000 | 49,746,000 | 50,907,000 |
| Equity capital | 16,408,000 | 16,638,000 | 16,673,000 | 16,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,907,000 | 3,848,000 | 5,692,000 | 7,504,000 |
| Interest expense | 178,000 | 327,000 | 495,000 | 620,000 |
| Net interest income | 1,729,000 | 3,521,000 | 5,197,000 | 6,884,000 |
| Noninterest income | 758,000 | 1,617,000 | 2,421,000 | 3,244,000 |
| Noninterest expense | 2,012,000 | 4,074,000 | 6,072,000 | 8,227,000 |
| Provision for loan losses | 20,000 | 20,000 | 23,000 | 28,000 |
| Pretax income | 465,000 | 1,054,000 | 1,533,000 | 1,883,000 |
| Income tax | 143,000 | 333,000 | 484,000 | 569,000 |
| Net income | 322,000 | 721,000 | 1,049,000 | 1,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,039,000 | 16,273,000 | 16,323,000 | 16,111,000 |
| Total capital | 17,365,000 | 17,588,000 | 17,677,000 | 17,432,000 |
| Risk-weighted assets | 105,879,000 | 105,009,000 | 108,225,000 | 105,526,000 |