Call reports 2007
VICTOR STATE BANK — 2007
What VICTOR STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 34,677,000 | 35,248,000 | 36,494,000 | 36,983,000 |
| Total loans | 16,541,000 | 16,934,000 | 17,141,000 | 17,058,000 |
| Allowance for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Securities available for sale | 151,000 | 151,000 | 150,000 | 250,000 |
| Securities held to maturity | 16,567,000 | 16,664,000 | 16,826,000 | 17,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,944,000 | 25,567,000 | 26,760,000 | 27,143,000 |
| Interest-bearing deposits | 21,910,000 | 22,251,000 | 22,712,000 | 23,059,000 |
| Noninterest-bearing deposits | 3,034,000 | 3,316,000 | 4,048,000 | 4,084,000 |
| Equity capital | 6,018,000 | 6,158,000 | 6,320,000 | 6,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 483,000 | 975,000 | 1,489,000 | 2,042,000 |
| Interest expense | 219,000 | 460,000 | 704,000 | 967,000 |
| Net interest income | 264,000 | 515,000 | 785,000 | 1,075,000 |
| Noninterest income | 19,000 | 37,000 | 55,000 | 89,000 |
| Noninterest expense | 76,000 | 153,000 | 246,000 | 370,000 |
| Provision for loan losses | -6,000 | -6,000 | -6,000 | -6,000 |
| Pretax income | 213,000 | 405,000 | 600,000 | 800,000 |
| Income tax | 16,000 | 9,000 | 12,000 | 22,000 |
| Net income | 197,000 | 396,000 | 588,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,017,000 | 6,156,000 | 6,318,000 | 6,477,000 |
| Total capital | 6,142,000 | 6,281,000 | 6,443,000 | 6,602,000 |
| Risk-weighted assets | 22,819,000 | 22,741,000 | 21,342,000 | 21,889,000 |