Call reports 2016
VALUEBANK TEXAS — 2016
What VALUEBANK TEXAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 210,287,000 | 222,055,000 | 217,478,000 | 213,895,000 |
| Total loans | 135,359,000 | 134,101,000 | 135,784,000 | 134,643,000 |
| Allowance for loan losses | 1,625,000 | 1,570,000 | 1,568,000 | 1,569,000 |
| Securities available for sale | 25,220,000 | 26,123,000 | 26,859,000 | 24,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,753,000 | 198,380,000 | 193,258,000 | 191,239,000 |
| Interest-bearing deposits | 107,115,000 | 112,948,000 | 110,282,000 | 112,154,000 |
| Noninterest-bearing deposits | 79,638,000 | 85,432,000 | 82,976,000 | 79,085,000 |
| Equity capital | 21,754,000 | 21,886,000 | 22,028,000 | 21,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,192,000 | 4,303,000 | 6,489,000 | 8,702,000 |
| Interest expense | 40,000 | 99,000 | 171,000 | 239,000 |
| Net interest income | 2,152,000 | 4,204,000 | 6,318,000 | 8,463,000 |
| Noninterest income | 999,000 | 2,013,000 | 3,029,000 | 3,989,000 |
| Noninterest expense | 2,521,000 | 4,978,000 | 7,525,000 | 9,926,000 |
| Provision for loan losses | 51,000 | 55,000 | 58,000 | 69,000 |
| Pretax income | 865,000 | 1,470,000 | 2,050,000 | 2,743,000 |
| Income tax | 254,000 | 429,000 | 592,000 | 825,000 |
| Net income | 611,000 | 1,041,000 | 1,458,000 | 1,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,541,000 | 21,571,000 | 21,748,000 | 21,958,000 |
| Total capital | 23,166,000 | 23,141,000 | 23,316,000 | 23,527,000 |
| Risk-weighted assets | 132,995,000 | 133,803,000 | 132,768,000 | 131,786,000 |