Call reports 2012
VALUEBANK TEXAS — 2012
What VALUEBANK TEXAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 187,755,000 | 183,162,000 | 189,684,000 | 188,142,000 |
| Total loans | 95,241,000 | 107,770,000 | 108,005,000 | 117,380,000 |
| Allowance for loan losses | 1,436,000 | 1,442,000 | 1,457,000 | 1,457,000 |
| Securities available for sale | 27,593,000 | 28,077,000 | 30,385,000 | 29,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,816,000 | 163,141,000 | 168,793,000 | 167,810,000 |
| Interest-bearing deposits | 99,410,000 | 97,953,000 | 102,613,000 | 105,634,000 |
| Noninterest-bearing deposits | 68,406,000 | 65,188,000 | 66,180,000 | 62,176,000 |
| Equity capital | 17,317,000 | 17,394,000 | 17,686,000 | 17,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,875,000 | 3,769,000 | 5,683,000 | 7,652,000 |
| Interest expense | 62,000 | 151,000 | 220,000 | 272,000 |
| Net interest income | 1,813,000 | 3,618,000 | 5,463,000 | 7,380,000 |
| Noninterest income | 899,000 | 1,673,000 | 2,512,000 | 3,300,000 |
| Noninterest expense | 2,154,000 | 4,226,000 | 6,347,000 | 8,462,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 17,000 |
| Pretax income | 555,000 | 1,062,000 | 1,625,000 | 2,201,000 |
| Income tax | 159,000 | 306,000 | 473,000 | 639,000 |
| Net income | 396,000 | 756,000 | 1,152,000 | 1,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,820,000 | 16,930,000 | 17,034,000 | 17,294,000 |
| Total capital | 18,110,000 | 18,357,000 | 18,456,000 | 18,751,000 |
| Risk-weighted assets | 103,053,000 | 114,117,000 | 113,761,000 | 124,361,000 |