Call reports 2020
VALUEBANK TEXAS — 2020
What VALUEBANK TEXAS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 245,561,000 | 283,922,000 | 278,702,000 | 270,121,000 |
| Total loans | 135,371,000 | 142,497,000 | 145,348,000 | 152,236,000 |
| Allowance for loan losses | 1,530,000 | 1,529,000 | 1,530,000 | 1,660,000 |
| Securities available for sale | 38,745,000 | 39,347,000 | 37,926,000 | 37,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,601,000 | 251,886,000 | 246,197,000 | 238,391,000 |
| Interest-bearing deposits | 108,913,000 | 112,649,000 | 117,363,000 | 117,364,000 |
| Noninterest-bearing deposits | 107,688,000 | 139,237,000 | 128,834,000 | 121,027,000 |
| Equity capital | 27,117,000 | 29,014,000 | 29,525,000 | 29,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,543,000 | 5,108,000 | 7,516,000 | 10,064,000 |
| Interest expense | 144,000 | 237,000 | 313,000 | 374,000 |
| Net interest income | 2,399,000 | 4,871,000 | 7,203,000 | 9,690,000 |
| Noninterest income | 959,000 | 1,774,000 | 2,671,000 | 3,623,000 |
| Noninterest expense | 2,426,000 | 4,837,000 | 7,307,000 | 9,830,000 |
| Provision for loan losses | 3,000 | 5,000 | 6,000 | 135,000 |
| Pretax income | 929,000 | 1,803,000 | 2,561,000 | 3,348,000 |
| Income tax | 169,000 | 326,000 | 456,000 | 592,000 |
| Net income | 760,000 | 1,477,000 | 2,105,000 | 2,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,597,000 | 28,064,000 | 28,443,000 | 28,594,000 |