Call reports 2022
VALUEBANK TEXAS — 2022
What VALUEBANK TEXAS reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 312,782,000 | 326,067,000 | 330,826,000 | 307,066,000 |
| Total loans | 144,365,000 | 149,618,000 | 152,829,000 | 153,474,000 |
| Allowance for loan losses | 1,666,000 | 1,669,000 | 1,671,000 | 1,674,000 |
| Securities available for sale | 75,629,000 | 83,216,000 | 81,460,000 | 81,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,895,000 | 294,967,000 | 297,681,000 | 274,805,000 |
| Interest-bearing deposits | 137,148,000 | 140,555,000 | 143,085,000 | 135,040,000 |
| Noninterest-bearing deposits | 142,747,000 | 154,412,000 | 154,596,000 | 139,765,000 |
| Equity capital | 29,726,000 | 28,601,000 | 30,562,000 | 30,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,345,000 | 4,940,000 | 7,976,000 | 11,487,000 |
| Interest expense | 38,000 | 76,000 | 153,000 | 279,000 |
| Net interest income | 2,307,000 | 4,864,000 | 7,823,000 | 11,208,000 |
| Noninterest income | 840,000 | 2,746,000 | 7,396,000 | 8,247,000 |
| Noninterest expense | 2,491,000 | 5,027,000 | 7,582,000 | 10,164,000 |
| Provision for loan losses | 3,000 | 6,000 | 12,000 | 19,000 |
| Pretax income | 653,000 | 2,577,000 | 7,625,000 | 9,272,000 |
| Income tax | 117,000 | 503,000 | 1,541,000 | 1,857,000 |
| Net income | 536,000 | 2,074,000 | 6,084,000 | 7,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,935,000 | 32,073,000 | 34,933,000 | 34,214,000 |