Call reports 2024
VALUEBANK TEXAS — 2024
What VALUEBANK TEXAS reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 302,665,000 | 309,709,000 | 305,714,000 | 297,199,000 |
| Total loans | 152,762,000 | 157,362,000 | 158,786,000 | 161,780,000 |
| Allowance for loan losses | 1,986,000 | 1,986,000 | 1,988,000 | 1,989,000 |
| Securities available for sale | 58,138,000 | 51,325,000 | 57,887,000 | 57,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,386,000 | 270,802,000 | 264,490,000 | 259,364,000 |
| Interest-bearing deposits | 146,030,000 | 150,398,000 | 145,169,000 | 145,157,000 |
| Noninterest-bearing deposits | 118,356,000 | 120,404,000 | 119,321,000 | 114,207,000 |
| Equity capital | 34,413,000 | 35,331,000 | 37,349,000 | 34,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,988,000 | 8,203,000 | 12,516,000 | 16,645,000 |
| Interest expense | 509,000 | 1,081,000 | 1,720,000 | 2,366,000 |
| Net interest income | 3,479,000 | 7,122,000 | 10,796,000 | 14,279,000 |
| Noninterest income | 741,000 | 1,476,000 | 2,262,000 | 3,178,000 |
| Noninterest expense | 2,624,000 | 5,252,000 | 7,931,000 | 10,768,000 |
| Provision for loan losses | 2,000 | 5,000 | 10,000 | 13,000 |
| Pretax income | 1,594,000 | 3,339,000 | 5,115,000 | 6,674,000 |
| Income tax | 320,000 | 673,000 | 1,031,000 | 1,351,000 |
| Net income | 1,274,000 | 2,666,000 | 4,084,000 | 5,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,846,000 | 37,688,000 | 38,756,000 | 36,696,000 |