Call reports 2021
VALUEBANK TEXAS — 2021
What VALUEBANK TEXAS reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 291,816,000 | 303,065,000 | 307,077,000 | 308,541,000 |
| Total loans | 155,001,000 | 151,920,000 | 150,177,000 | 147,867,000 |
| Allowance for loan losses | 1,660,000 | 1,662,000 | 1,666,000 | 1,663,000 |
| Securities available for sale | 42,082,000 | 41,775,000 | 39,599,000 | 48,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,309,000 | 269,823,000 | 272,851,000 | 275,549,000 |
| Interest-bearing deposits | 125,644,000 | 125,578,000 | 128,422,000 | 132,062,000 |
| Noninterest-bearing deposits | 133,665,000 | 144,245,000 | 144,429,000 | 143,487,000 |
| Equity capital | 30,221,000 | 30,672,000 | 31,121,000 | 31,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,396,000 | 4,844,000 | 7,327,000 | 10,018,000 |
| Interest expense | 47,000 | 91,000 | 130,000 | 168,000 |
| Net interest income | 2,349,000 | 4,753,000 | 7,197,000 | 9,850,000 |
| Noninterest income | 861,000 | 1,738,000 | 2,600,000 | 3,596,000 |
| Noninterest expense | 2,428,000 | 4,889,000 | 7,347,000 | 9,823,000 |
| Provision for loan losses | 2,000 | 3,000 | 12,000 | 16,000 |
| Pretax income | 780,000 | 1,599,000 | 2,438,000 | 3,607,000 |
| Income tax | 138,000 | 287,000 | 440,000 | 652,000 |
| Net income | 642,000 | 1,312,000 | 1,998,000 | 2,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,236,000 | 29,656,000 | 30,092,000 | 30,399,000 |