Call reports 2008
VICTOR STATE BANK — 2008
What VICTOR STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 36,285,000 | 36,675,000 | 36,860,000 | 37,543,000 |
| Total loans | 16,271,000 | 15,331,000 | 16,062,000 | 15,591,000 |
| Allowance for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Securities available for sale | 250,000 | 442,000 | 422,000 | 385,000 |
| Securities held to maturity | 16,704,000 | 18,107,000 | 18,086,000 | 18,394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,264,000 | 26,588,000 | 26,781,000 | 27,394,000 |
| Interest-bearing deposits | 23,463,000 | 22,910,000 | 23,200,000 | 23,654,000 |
| Noninterest-bearing deposits | 2,801,000 | 3,678,000 | 3,581,000 | 3,740,000 |
| Equity capital | 6,879,000 | 6,974,000 | 7,180,000 | 7,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 662,000 | 1,161,000 | 1,687,000 | 2,218,000 |
| Interest expense | 230,000 | 446,000 | 663,000 | 858,000 |
| Net interest income | 432,000 | 715,000 | 1,024,000 | 1,360,000 |
| Noninterest income | 44,000 | 56,000 | 68,000 | 113,000 |
| Noninterest expense | 74,000 | 207,000 | 285,000 | 443,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 402,000 | 564,000 | 800,000 | 1,030,000 |
| Income tax | 0 | 24,000 | 34,000 | 44,000 |
| Net income | 402,000 | 540,000 | 766,000 | 986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,879,000 | 6,961,000 | 7,187,000 | 7,307,000 |
| Total capital | 7,004,000 | 7,086,000 | 7,312,000 | 7,432,000 |
| Risk-weighted assets | 21,582,000 | 21,182,000 | 21,716,000 | 21,010,000 |