Call reports 2017
VALUEBANK TEXAS — 2017
What VALUEBANK TEXAS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 216,998,000 | 220,939,000 | 228,870,000 | 253,321,000 |
| Total loans | 135,965,000 | 132,168,000 | 124,438,000 | 116,587,000 |
| Allowance for loan losses | 1,503,000 | 1,503,000 | 1,505,000 | 1,494,000 |
| Securities available for sale | 24,322,000 | 24,951,000 | 26,516,000 | 30,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,078,000 | 196,012,000 | 203,328,000 | 228,455,000 |
| Interest-bearing deposits | 109,982,000 | 107,049,000 | 109,087,000 | 121,414,000 |
| Noninterest-bearing deposits | 83,096,000 | 88,963,000 | 94,241,000 | 107,041,000 |
| Equity capital | 22,295,000 | 22,994,000 | 23,147,000 | 22,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,315,000 | 4,537,000 | 6,770,000 | 9,113,000 |
| Interest expense | 66,000 | 145,000 | 239,000 | 355,000 |
| Net interest income | 2,249,000 | 4,392,000 | 6,531,000 | 8,758,000 |
| Noninterest income | 996,000 | 2,353,000 | 3,283,000 | 4,371,000 |
| Noninterest expense | 2,452,000 | 4,990,000 | 7,465,000 | 10,148,000 |
| Provision for loan losses | 4,000 | 8,000 | 14,000 | 19,000 |
| Pretax income | 789,000 | 1,746,000 | 2,334,000 | 2,961,000 |
| Income tax | 239,000 | 540,000 | 714,000 | 1,146,000 |
| Net income | 550,000 | 1,206,000 | 1,620,000 | 1,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,509,000 | 22,964,000 | 23,138,000 | 23,052,000 |
| Total capital | 24,012,000 | 24,467,000 | 24,643,000 | 24,546,000 |
| Risk-weighted assets | 138,260,000 | 135,517,000 | 126,799,000 | 122,021,000 |