Call reports 2011
VALUEBANK TEXAS — 2011
What VALUEBANK TEXAS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 163,715,000 | 165,918,000 | 175,571,000 | 171,565,000 |
| Total loans | 94,399,000 | 94,930,000 | 103,444,000 | 105,251,000 |
| Allowance for loan losses | 1,443,000 | 1,418,000 | 1,420,000 | 1,436,000 |
| Securities available for sale | 20,180,000 | 24,766,000 | 24,884,000 | 24,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,635,000 | 146,657,000 | 155,540,000 | 152,320,000 |
| Interest-bearing deposits | 60,422,000 | 88,037,000 | 89,531,000 | 92,148,000 |
| Noninterest-bearing deposits | 84,213,000 | 58,620,000 | 66,009,000 | 60,172,000 |
| Equity capital | 16,580,000 | 16,686,000 | 17,027,000 | 16,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,778,000 | 3,625,000 | 5,440,000 | 7,287,000 |
| Interest expense | 104,000 | 194,000 | 277,000 | 356,000 |
| Net interest income | 1,674,000 | 3,431,000 | 5,163,000 | 6,931,000 |
| Noninterest income | 884,000 | 1,747,000 | 2,616,000 | 3,437,000 |
| Noninterest expense | 1,991,000 | 4,050,000 | 6,152,000 | 8,254,000 |
| Provision for loan losses | 0 | 109,000 | 131,000 | 139,000 |
| Pretax income | 567,000 | 1,040,000 | 1,517,000 | 1,996,000 |
| Income tax | 162,000 | 296,000 | 431,000 | 563,000 |
| Net income | 405,000 | 744,000 | 1,086,000 | 1,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,524,000 | 16,535,000 | 16,626,000 | 16,431,000 |
| Total capital | 17,855,000 | 17,863,000 | 18,046,000 | 17,835,000 |
| Risk-weighted assets | 106,395,000 | 106,171,000 | 113,770,000 | 112,251,000 |