Call reports 2015
VALUEBANK TEXAS — 2015
What VALUEBANK TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 203,765,000 | 206,819,000 | 206,175,000 | 206,964,000 |
| Total loans | 122,724,000 | 122,735,000 | 143,807,000 | 142,307,000 |
| Allowance for loan losses | 1,524,000 | 1,496,000 | 1,545,000 | 1,578,000 |
| Securities available for sale | 26,978,000 | 26,684,000 | 28,521,000 | 27,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,171,000 | 184,479,000 | 182,727,000 | 184,340,000 |
| Interest-bearing deposits | 100,601,000 | 98,234,000 | 98,240,000 | 105,206,000 |
| Noninterest-bearing deposits | 80,570,000 | 86,245,000 | 84,487,000 | 79,134,000 |
| Equity capital | 20,739,000 | 20,873,000 | 21,197,000 | 21,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,106,000 | 4,213,000 | 6,440,000 | 8,685,000 |
| Interest expense | 12,000 | 24,000 | 35,000 | 62,000 |
| Net interest income | 2,094,000 | 4,189,000 | 6,405,000 | 8,623,000 |
| Noninterest income | 1,000,000 | 2,035,000 | 3,209,000 | 4,134,000 |
| Noninterest expense | 2,390,000 | 4,882,000 | 7,519,000 | 9,963,000 |
| Provision for loan losses | 37,000 | 82,000 | 140,000 | 181,000 |
| Pretax income | 667,000 | 1,260,000 | 1,961,000 | 2,632,000 |
| Income tax | 196,000 | 364,000 | 571,000 | 759,000 |
| Net income | 471,000 | 896,000 | 1,390,000 | 1,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,328,000 | 20,553,000 | 20,807,000 | 20,930,000 |
| Total capital | 21,852,000 | 22,049,000 | 22,352,000 | 22,508,000 |
| Risk-weighted assets | 126,782,000 | 127,032,000 | 140,620,000 | 140,262,000 |