Call reports 2003
VICTOR STATE BANK — 2003
What VICTOR STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 33,987,000 | 34,331,000 | 35,605,000 | 34,730,000 |
| Total loans | 16,718,000 | 17,721,000 | 17,651,000 | 16,509,000 |
| Allowance for loan losses | 95,000 | 95,000 | 95,000 | 100,000 |
| Securities available for sale | 290,000 | 298,000 | 304,000 | 302,000 |
| Securities held to maturity | 14,087,000 | 14,047,000 | 15,226,000 | 15,486,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,349,000 | 27,203,000 | 27,759,000 | 27,150,000 |
| Interest-bearing deposits | 24,688,000 | 24,180,000 | 24,552,000 | 24,574,000 |
| Noninterest-bearing deposits | 2,661,000 | 3,023,000 | 3,207,000 | 2,576,000 |
| Equity capital | 3,500,000 | 3,445,000 | 3,704,000 | 3,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 539,000 | 1,089,000 | 1,612,000 | 2,147,000 |
| Interest expense | 190,000 | 347,000 | 509,000 | 679,000 |
| Net interest income | 349,000 | 742,000 | 1,103,000 | 1,468,000 |
| Noninterest income | 21,000 | 42,000 | 61,000 | 87,000 |
| Noninterest expense | 73,000 | 147,000 | 232,000 | 357,000 |
| Provision for loan losses | 0 | 0 | -1,000 | 4,000 |
| Pretax income | 299,000 | 658,000 | 965,000 | 1,291,000 |
| Income tax | 11,000 | 33,000 | 37,000 | 50,000 |
| Net income | 288,000 | 625,000 | 928,000 | 1,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,485,000 | 3,422,000 | 3,675,000 | 3,833,000 |
| Total capital | 3,580,000 | 3,517,000 | 3,770,000 | 3,933,000 |
| Risk-weighted assets | 24,090,000 | 24,257,000 | 24,920,000 | 23,680,000 |