Call reports 2006
VICTOR STATE BANK — 2006
What VICTOR STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 35,372,000 | 35,526,000 | 36,485,000 | 34,722,000 |
| Total loans | 17,754,000 | 17,640,000 | 17,004,000 | 16,240,000 |
| Allowance for loan losses | 123,000 | 123,000 | 123,000 | 123,000 |
| Securities available for sale | 282,000 | 279,000 | 279,000 | 277,000 |
| Securities held to maturity | 15,719,000 | 15,449,000 | 16,308,000 | 16,627,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,408,000 | 26,445,000 | 27,184,000 | 24,921,000 |
| Interest-bearing deposits | 23,035,000 | 23,008,000 | 22,856,000 | 21,812,000 |
| Noninterest-bearing deposits | 3,373,000 | 3,437,000 | 4,328,000 | 3,109,000 |
| Equity capital | 5,320,000 | 5,456,000 | 5,661,000 | 5,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 982,000 | 1,482,000 | 1,985,000 |
| Interest expense | 186,000 | 400,000 | 618,000 | 854,000 |
| Net interest income | 295,000 | 582,000 | 864,000 | 1,131,000 |
| Noninterest income | 24,000 | 45,000 | 64,000 | 111,000 |
| Noninterest expense | 96,000 | 175,000 | 258,000 | 384,000 |
| Provision for loan losses | 0 | 0 | 0 | 14,000 |
| Pretax income | 225,000 | 463,000 | 681,000 | 855,000 |
| Income tax | 14,000 | 21,000 | 34,000 | 46,000 |
| Net income | 211,000 | 442,000 | 647,000 | 809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,313,000 | 5,452,000 | 5,657,000 | 5,818,000 |
| Total capital | 5,436,000 | 5,575,000 | 5,780,000 | 5,941,000 |
| Risk-weighted assets | 24,039,000 | 23,675,000 | 23,511,000 | 22,597,000 |