Call reports 2011
VICTOR STATE BANK — 2011
What VICTOR STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 39,331,000 | 39,759,000 | 40,879,000 | 43,491,000 |
| Total loans | 17,668,000 | 16,262,000 | 15,072,000 | 19,415,000 |
| Allowance for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Securities available for sale | 431,000 | 442,000 | 454,000 | 453,000 |
| Securities held to maturity | 19,180,000 | 20,053,000 | 22,522,000 | 21,344,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,436,000 | 31,607,000 | 32,216,000 | 31,800,000 |
| Interest-bearing deposits | 26,582,000 | 27,392,000 | 26,974,000 | 27,805,000 |
| Noninterest-bearing deposits | 3,854,000 | 4,215,000 | 5,242,000 | 3,995,000 |
| Equity capital | 7,987,000 | 7,667,000 | 8,045,000 | 8,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 452,000 | 989,000 | 1,507,000 | 2,031,000 |
| Interest expense | 97,000 | 190,000 | 280,000 | 358,000 |
| Net interest income | 355,000 | 799,000 | 1,227,000 | 1,673,000 |
| Noninterest income | 18,000 | 30,000 | 43,000 | 254,000 |
| Noninterest expense | 118,000 | 242,000 | 300,000 | 490,000 |
| Provision for loan losses | 0 | 48,000 | 48,000 | 50,000 |
| Pretax income | 255,000 | 539,000 | 922,000 | 1,387,000 |
| Income tax | 0 | 40,000 | 55,000 | 70,000 |
| Net income | 255,000 | 499,000 | 867,000 | 1,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,985,000 | 7,654,000 | 8,022,000 | 8,372,000 |
| Total capital | 8,110,000 | 7,779,000 | 8,147,000 | 8,497,000 |
| Risk-weighted assets | 23,903,000 | 22,963,000 | 22,388,000 | 26,339,000 |