Call reports 2014
VALUEBANK TEXAS — 2014
What VALUEBANK TEXAS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 199,798,000 | 204,809,000 | 200,688,000 | 203,305,000 |
| Total loans | 106,374,000 | 116,210,000 | 125,394,000 | 125,097,000 |
| Allowance for loan losses | 1,494,000 | 1,498,000 | 1,484,000 | 1,487,000 |
| Securities available for sale | 30,622,000 | 29,954,000 | 28,898,000 | 28,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,135,000 | 183,560,000 | 178,658,000 | 181,949,000 |
| Interest-bearing deposits | 97,732,000 | 96,779,000 | 95,027,000 | 102,692,000 |
| Noninterest-bearing deposits | 81,403,000 | 86,781,000 | 83,631,000 | 79,257,000 |
| Equity capital | 19,348,000 | 19,667,000 | 19,937,000 | 20,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,853,000 | 3,868,000 | 5,944,000 | 8,019,000 |
| Interest expense | 17,000 | 31,000 | 46,000 | 58,000 |
| Net interest income | 1,836,000 | 3,837,000 | 5,898,000 | 7,961,000 |
| Noninterest income | 855,000 | 1,762,000 | 2,702,000 | 3,590,000 |
| Noninterest expense | 2,244,000 | 4,522,000 | 6,828,000 | 9,116,000 |
| Provision for loan losses | 6,000 | 16,000 | 27,000 | 33,000 |
| Pretax income | 441,000 | 1,061,000 | 1,745,000 | 2,402,000 |
| Income tax | 117,000 | 300,000 | 504,000 | 703,000 |
| Net income | 324,000 | 761,000 | 1,241,000 | 1,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,316,000 | 19,354,000 | 19,594,000 | 19,857,000 |
| Total capital | 20,792,000 | 20,852,000 | 21,078,000 | 21,344,000 |
| Risk-weighted assets | 118,041,000 | 127,138,000 | 133,754,000 | 132,924,000 |