Call reports 2023
VALUEBANK TEXAS — 2023
What VALUEBANK TEXAS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 298,891,000 | 292,408,000 | 292,014,000 | 292,011,000 |
| Total loans | 149,976,000 | 144,415,000 | 142,564,000 | 147,616,000 |
| Allowance for loan losses | 1,674,000 | 1,674,000 | 1,987,000 | 1,984,000 |
| Securities available for sale | 78,998,000 | 71,407,000 | 67,480,000 | 62,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,395,000 | 256,370,000 | 255,755,000 | 255,150,000 |
| Interest-bearing deposits | 133,567,000 | 129,808,000 | 128,614,000 | 132,058,000 |
| Noninterest-bearing deposits | 130,828,000 | 126,562,000 | 127,141,000 | 123,092,000 |
| Equity capital | 32,123,000 | 32,590,000 | 32,320,000 | 33,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,410,000 | 6,968,000 | 10,697,000 | 14,522,000 |
| Interest expense | 193,000 | 456,000 | 793,000 | 1,185,000 |
| Net interest income | 3,217,000 | 6,512,000 | 9,904,000 | 13,337,000 |
| Noninterest income | 752,000 | 1,490,000 | 2,437,000 | 3,215,000 |
| Noninterest expense | 2,416,000 | 4,913,000 | 7,426,000 | 10,160,000 |
| Provision for loan losses | 2,000 | 3,000 | 178,000 | 181,000 |
| Pretax income | 1,550,000 | 3,085,000 | 4,736,000 | 6,183,000 |
| Income tax | 312,000 | 623,000 | 959,000 | 1,275,000 |
| Net income | 1,238,000 | 2,462,000 | 3,777,000 | 4,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,452,000 | 36,126,000 | 36,092,000 | 35,573,000 |