Call reports 2001
VICTOR STATE BANK — 2001
What VICTOR STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 32,771,000 | 33,137,000 | 33,626,000 | 33,614,000 |
| Total loans | 14,215,000 | 15,343,000 | 15,895,000 | 15,281,000 |
| Allowance for loan losses | 95,000 | 95,000 | 95,000 | 95,000 |
| Securities available for sale | 1,317,000 | 1,322,000 | 1,347,000 | 790,000 |
| Securities held to maturity | 15,531,000 | 15,027,000 | 13,961,000 | 15,966,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,058,000 | 27,257,000 | 27,876,000 | 27,579,000 |
| Interest-bearing deposits | 24,980,000 | 24,905,000 | 24,467,000 | 25,138,000 |
| Noninterest-bearing deposits | 2,078,000 | 2,352,000 | 3,409,000 | 2,441,000 |
| Equity capital | 3,037,000 | 2,994,000 | 3,142,000 | 3,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 608,000 | 1,220,000 | 1,836,000 | 2,436,000 |
| Interest expense | 359,000 | 692,000 | 1,015,000 | 1,315,000 |
| Net interest income | 249,000 | 528,000 | 821,000 | 1,121,000 |
| Noninterest income | 16,000 | 31,000 | 47,000 | 76,000 |
| Noninterest expense | 113,000 | 180,000 | 305,000 | 424,000 |
| Provision for loan losses | -1,000 | -1,000 | -1,000 | 0 |
| Pretax income | 153,000 | 383,000 | 568,000 | 772,000 |
| Income tax | 10,000 | -22,000 | -10,000 | -12,000 |
| Net income | 143,000 | 405,000 | 578,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,043,000 | 2,995,000 | 3,118,000 | 3,324,000 |
| Total capital | 3,138,000 | 3,090,000 | 3,213,000 | 3,419,000 |
| Risk-weighted assets | 24,636,000 | 25,170,000 | 25,101,000 | 25,735,000 |