Call reports 2002
VICTOR STATE BANK — 2002
What VICTOR STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 34,242,000 | 34,613,000 | 34,460,000 | 34,108,000 |
| Total loans | 15,097,000 | 16,150,000 | 16,652,000 | 16,574,000 |
| Allowance for loan losses | 95,000 | 95,000 | 95,000 | 95,000 |
| Securities available for sale | 783,000 | 539,000 | 554,000 | 549,000 |
| Securities held to maturity | 16,169,000 | 15,390,000 | 15,391,000 | 14,539,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,573,000 | 27,894,000 | 27,353,000 | 27,596,000 |
| Interest-bearing deposits | 24,805,000 | 24,902,000 | 24,394,000 | 24,528,000 |
| Noninterest-bearing deposits | 2,768,000 | 2,992,000 | 2,959,000 | 3,068,000 |
| Equity capital | 3,346,000 | 3,347,000 | 3,553,000 | 3,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 586,000 | 1,169,000 | 1,755,000 | 2,324,000 |
| Interest expense | 261,000 | 497,000 | 724,000 | 941,000 |
| Net interest income | 325,000 | 672,000 | 1,031,000 | 1,383,000 |
| Noninterest income | 17,000 | 32,000 | 48,000 | 74,000 |
| Noninterest expense | 118,000 | 171,000 | 241,000 | 356,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 4,000 |
| Pretax income | 224,000 | 532,000 | 835,000 | 971,000 |
| Income tax | 11,000 | 24,000 | 36,000 | 48,000 |
| Net income | 213,000 | 508,000 | 799,000 | 923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,337,000 | 3,332,000 | 3,523,000 | 3,397,000 |
| Total capital | 3,432,000 | 3,427,000 | 3,618,000 | 3,492,000 |
| Risk-weighted assets | 25,905,000 | 26,210,000 | 26,056,000 | 24,597,000 |