Call reports 2004
VICTOR STATE BANK — 2004
What VICTOR STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 34,971,000 | 34,881,000 | 35,964,000 | 36,128,000 |
| Total loans | 16,368,000 | 16,931,000 | 16,559,000 | 16,425,000 |
| Allowance for loan losses | 100,000 | 123,000 | 123,000 | 123,000 |
| Securities available for sale | 310,000 | 300,000 | 300,000 | 296,000 |
| Securities held to maturity | 15,022,000 | 15,520,000 | 16,186,000 | 16,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,958,000 | 26,653,000 | 27,808,000 | 28,336,000 |
| Interest-bearing deposits | 24,364,000 | 23,640,000 | 24,698,000 | 25,598,000 |
| Noninterest-bearing deposits | 2,594,000 | 3,013,000 | 3,110,000 | 2,738,000 |
| Equity capital | 4,232,000 | 4,248,000 | 4,446,000 | 4,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 968,000 | 1,462,000 | 1,970,000 |
| Interest expense | 134,000 | 275,000 | 416,000 | 575,000 |
| Net interest income | 329,000 | 693,000 | 1,046,000 | 1,395,000 |
| Noninterest income | 169,000 | 182,000 | 200,000 | 237,000 |
| Noninterest expense | 98,000 | 188,000 | 266,000 | 390,000 |
| Provision for loan losses | 0 | 23,000 | 23,000 | 24,000 |
| Pretax income | 401,000 | 665,000 | 959,000 | 1,220,000 |
| Income tax | 37,000 | 50,000 | 66,000 | 83,000 |
| Net income | 364,000 | 615,000 | 893,000 | 1,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,197,000 | 4,223,000 | 4,421,000 | 4,280,000 |
| Total capital | 4,297,000 | 4,346,000 | 4,544,000 | 4,403,000 |
| Risk-weighted assets | 23,019,000 | 23,706,000 | 23,853,000 | 23,882,000 |