Call reports 2018
VALUEBANK TEXAS — 2018
What VALUEBANK TEXAS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 248,906,000 | 248,373,000 | 245,990,000 | 242,173,000 |
| Total loans | 122,870,000 | 123,875,000 | 125,073,000 | 126,003,000 |
| Allowance for loan losses | 1,496,000 | 1,487,000 | 1,493,000 | 1,489,000 |
| Securities available for sale | 32,714,000 | 31,573,000 | 32,278,000 | 32,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,357,000 | 222,280,000 | 219,064,000 | 215,973,000 |
| Interest-bearing deposits | 117,943,000 | 116,706,000 | 116,502,000 | 116,784,000 |
| Noninterest-bearing deposits | 105,414,000 | 105,574,000 | 102,562,000 | 99,189,000 |
| Equity capital | 23,202,000 | 23,442,000 | 23,766,000 | 24,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,305,000 | 4,695,000 | 7,359,000 | 9,953,000 |
| Interest expense | 122,000 | 247,000 | 380,000 | 513,000 |
| Net interest income | 2,183,000 | 4,448,000 | 6,979,000 | 9,440,000 |
| Noninterest income | 1,025,000 | 1,919,000 | 2,805,000 | 3,802,000 |
| Noninterest expense | 2,383,000 | 4,715,000 | 7,128,000 | 9,533,000 |
| Provision for loan losses | 2,000 | 10,000 | 19,000 | 22,000 |
| Pretax income | 823,000 | 1,642,000 | 2,637,000 | 3,687,000 |
| Income tax | 161,000 | 319,000 | 507,000 | 705,000 |
| Net income | 662,000 | 1,323,000 | 2,130,000 | 2,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,715,000 | 24,014,000 | 24,511,000 | 24,793,000 |
| Total capital | 25,211,000 | 25,501,000 | 26,004,000 | 26,282,000 |
| Risk-weighted assets | 123,521,000 | 125,226,000 | 127,668,000 | 127,773,000 |