Call reports 2005
VICTOR STATE BANK — 2005
What VICTOR STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 36,552,000 | 37,679,000 | 36,997,000 | 35,965,000 |
| Total loans | 17,485,000 | 18,654,000 | 18,285,000 | 17,446,000 |
| Allowance for loan losses | 123,000 | 123,000 | 123,000 | 123,000 |
| Securities available for sale | 290,000 | 290,000 | 286,000 | 284,000 |
| Securities held to maturity | 16,450,000 | 16,234,000 | 16,176,000 | 15,753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,261,000 | 29,149,000 | 28,283,000 | 27,170,000 |
| Interest-bearing deposits | 25,224,000 | 25,977,000 | 24,681,000 | 23,639,000 |
| Noninterest-bearing deposits | 3,037,000 | 3,172,000 | 3,602,000 | 3,531,000 |
| Equity capital | 4,551,000 | 4,785,000 | 4,966,000 | 5,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 474,000 | 977,000 | 1,495,000 | 2,002,000 |
| Interest expense | 139,000 | 311,000 | 494,000 | 681,000 |
| Net interest income | 335,000 | 666,000 | 1,001,000 | 1,321,000 |
| Noninterest income | 19,000 | 46,000 | 66,000 | 100,000 |
| Noninterest expense | 84,000 | 163,000 | 244,000 | 366,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 270,000 | 668,000 | 942,000 | 1,172,000 |
| Income tax | 14,000 | 28,000 | 42,000 | 45,000 |
| Net income | 256,000 | 640,000 | 900,000 | 1,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,536,000 | 4,770,000 | 4,955,000 | 5,102,000 |
| Total capital | 4,659,000 | 4,893,000 | 5,078,000 | 5,225,000 |
| Risk-weighted assets | 24,506,000 | 25,504,000 | 25,315,000 | 24,261,000 |