Call reports 2010
VICTOR STATE BANK — 2010
What VICTOR STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 39,305,000 | 38,242,000 | 40,140,000 | 39,087,000 |
| Total loans | 16,820,000 | 17,074,000 | 17,264,000 | 17,202,000 |
| Allowance for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Securities available for sale | 480,000 | 437,000 | 453,000 | 431,000 |
| Securities held to maturity | 19,990,000 | 18,836,000 | 19,254,000 | 18,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,797,000 | 28,147,000 | 29,993,000 | 29,261,000 |
| Interest-bearing deposits | 25,537,000 | 25,088,000 | 26,028,000 | 25,287,000 |
| Noninterest-bearing deposits | 3,260,000 | 3,059,000 | 3,965,000 | 3,974,000 |
| Equity capital | 8,339,000 | 7,895,000 | 7,983,000 | 7,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 525,000 | 1,058,000 | 1,610,000 | 2,158,000 |
| Interest expense | 130,000 | 247,000 | 372,000 | 488,000 |
| Net interest income | 395,000 | 811,000 | 1,238,000 | 1,670,000 |
| Noninterest income | 17,000 | 29,000 | 42,000 | 116,000 |
| Noninterest expense | 111,000 | 238,000 | 343,000 | 536,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 301,000 | 602,000 | 937,000 | 1,250,000 |
| Income tax | 0 | 27,000 | 40,000 | 52,000 |
| Net income | 301,000 | 575,000 | 897,000 | 1,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,288,000 | 7,887,000 | 7,959,000 | 7,760,000 |
| Total capital | 8,413,000 | 8,012,000 | 8,084,000 | 7,885,000 |
| Risk-weighted assets | 23,360,000 | 23,181,000 | 23,838,000 | 23,668,000 |
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