Call reports 2009
VICTOR STATE BANK — 2009
What VICTOR STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 37,089,000 | 37,555,000 | 38,211,000 | 38,711,000 |
| Total loans | 15,589,000 | 15,844,000 | 14,873,000 | 14,857,000 |
| Allowance for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Securities available for sale | 426,000 | 457,000 | 486,000 | 480,000 |
| Securities held to maturity | 19,346,000 | 18,412,000 | 20,605,000 | 20,769,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,006,000 | 27,265,000 | 28,096,000 | 27,812,000 |
| Interest-bearing deposits | 23,250,000 | 23,588,000 | 23,629,000 | 24,275,000 |
| Noninterest-bearing deposits | 3,756,000 | 3,677,000 | 4,467,000 | 3,537,000 |
| Equity capital | 7,331,000 | 7,547,000 | 7,841,000 | 8,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 522,000 | 1,031,000 | 1,556,000 | 2,047,000 |
| Interest expense | 169,000 | 343,000 | 498,000 | 646,000 |
| Net interest income | 353,000 | 688,000 | 1,058,000 | 1,401,000 |
| Noninterest income | 17,000 | 31,000 | 46,000 | 90,000 |
| Noninterest expense | 82,000 | 179,000 | 262,000 | 435,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 288,000 | 540,000 | 842,000 | 1,056,000 |
| Income tax | 11,000 | 29,000 | 40,000 | 51,000 |
| Net income | 277,000 | 511,000 | 802,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,334,000 | 7,518,000 | 7,784,000 | 7,987,000 |
| Total capital | 7,459,000 | 7,643,000 | 7,909,000 | 8,112,000 |
| Risk-weighted assets | 21,427,000 | 22,020,000 | 21,355,000 | 21,563,000 |