Call reports 2012
VICTOR STATE BANK — 2012
What VICTOR STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 44,243,000 | 48,562,000 | 49,225,000 | 46,286,000 |
| Total loans | 20,350,000 | 22,984,000 | 22,160,000 | 16,934,000 |
| Allowance for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Securities available for sale | 454,000 | 704,000 | 708,000 | 704,000 |
| Securities held to maturity | 20,750,000 | 22,654,000 | 24,360,000 | 25,247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,840,000 | 33,560,000 | 35,133,000 | 34,967,000 |
| Interest-bearing deposits | 28,287,000 | 29,090,000 | 29,116,000 | 30,290,000 |
| Noninterest-bearing deposits | 3,553,000 | 4,470,000 | 6,017,000 | 4,677,000 |
| Equity capital | 8,850,000 | 8,967,000 | 9,306,000 | 9,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 500,000 | 1,001,000 | 1,554,000 | 2,066,000 |
| Interest expense | 74,000 | 140,000 | 202,000 | 252,000 |
| Net interest income | 426,000 | 861,000 | 1,352,000 | 1,814,000 |
| Noninterest income | 141,000 | 153,000 | 168,000 | 246,000 |
| Noninterest expense | 111,000 | 212,000 | 312,000 | 500,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 456,000 | 802,000 | 1,208,000 | 1,560,000 |
| Income tax | 0 | 38,000 | 54,000 | 70,000 |
| Net income | 456,000 | 764,000 | 1,154,000 | 1,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,828,000 | 8,934,000 | 9,269,000 | 9,430,000 |
| Total capital | 8,953,000 | 9,059,000 | 9,394,000 | 9,555,000 |
| Risk-weighted assets | 26,962,000 | 30,249,000 | 29,749,000 | 25,691,000 |