Call reports 2013
VALUEBANK TEXAS — 2013
What VALUEBANK TEXAS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 194,531,000 | 192,077,000 | 195,502,000 | 194,188,000 |
| Total loans | 105,984,000 | 106,575,000 | 99,057,000 | 105,933,000 |
| Allowance for loan losses | 1,492,000 | 1,510,000 | 1,501,000 | 1,500,000 |
| Securities available for sale | 33,396,000 | 32,103,000 | 31,226,000 | 30,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,850,000 | 171,275,000 | 174,600,000 | 173,958,000 |
| Interest-bearing deposits | 106,014,000 | 97,403,000 | 97,173,000 | 99,432,000 |
| Noninterest-bearing deposits | 68,836,000 | 73,872,000 | 77,427,000 | 74,526,000 |
| Equity capital | 18,099,000 | 19,122,000 | 18,806,000 | 18,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,932,000 | 3,765,000 | 5,747,000 | 7,626,000 |
| Interest expense | 58,000 | 88,000 | 112,000 | 134,000 |
| Net interest income | 1,874,000 | 3,677,000 | 5,635,000 | 7,492,000 |
| Noninterest income | 833,000 | 1,716,000 | 2,671,000 | 3,511,000 |
| Noninterest expense | 2,134,000 | 4,251,000 | 6,465,000 | 8,661,000 |
| Provision for loan losses | 41,000 | 88,000 | 106,000 | 118,000 |
| Pretax income | 532,000 | 1,054,000 | 1,734,000 | 2,229,000 |
| Income tax | 152,000 | 303,000 | 510,000 | 640,000 |
| Net income | 380,000 | 751,000 | 1,224,000 | 1,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,684,000 | 19,108,000 | 18,882,000 | 18,993,000 |
| Total capital | 19,176,000 | 20,618,000 | 20,361,000 | 20,493,000 |
| Risk-weighted assets | 119,977,000 | 122,340,000 | 118,335,000 | 124,923,000 |