Call reports 2019
VALUEBANK TEXAS — 2019
What VALUEBANK TEXAS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 241,923,000 | 249,730,000 | 243,667,000 | 237,567,000 |
| Total loans | 125,686,000 | 125,900,000 | 124,849,000 | 133,231,000 |
| Allowance for loan losses | 1,513,000 | 1,530,000 | 1,531,000 | 1,530,000 |
| Securities available for sale | 35,703,000 | 37,136,000 | 40,986,000 | 41,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,788,000 | 220,774,000 | 213,572,000 | 208,583,000 |
| Interest-bearing deposits | 111,504,000 | 114,820,000 | 112,551,000 | 110,223,000 |
| Noninterest-bearing deposits | 101,284,000 | 105,954,000 | 101,021,000 | 98,360,000 |
| Equity capital | 25,285,000 | 26,458,000 | 27,280,000 | 27,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,637,000 | 5,398,000 | 8,085,000 | 10,760,000 |
| Interest expense | 125,000 | 267,000 | 412,000 | 561,000 |
| Net interest income | 2,512,000 | 5,131,000 | 7,673,000 | 10,199,000 |
| Noninterest income | 781,000 | 3,789,000 | 4,787,000 | 5,968,000 |
| Noninterest expense | 2,354,000 | 5,013,000 | 7,464,000 | 9,932,000 |
| Provision for loan losses | 4,000 | 9,000 | 14,000 | 19,000 |
| Pretax income | 934,000 | 3,896,000 | 4,980,000 | 6,214,000 |
| Income tax | 176,000 | 777,000 | 979,000 | 1,200,000 |
| Net income | 758,000 | 3,119,000 | 4,001,000 | 5,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,551,000 | 26,313,000 | 26,944,000 | 26,838,000 |
| Total capital | 27,064,000 | 27,843,000 | 28,475,000 | 28,368,000 |
| Risk-weighted assets | 128,846,000 | 129,072,000 | 132,578,000 | 142,041,000 |