Call reports 2013
VICTOR STATE BANK — 2013
What VICTOR STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 50,428,000 | 52,080,000 | 47,610,000 | 48,320,000 |
| Total loans | 22,593,000 | 24,506,000 | 19,366,000 | 19,103,000 |
| Allowance for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Securities available for sale | 694,000 | 658,000 | 666,000 | 666,000 |
| Securities held to maturity | 24,760,000 | 23,740,000 | 24,981,000 | 26,135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,467,000 | 35,487,000 | 35,359,000 | 35,596,000 |
| Interest-bearing deposits | 30,770,000 | 30,662,000 | 30,383,000 | 31,446,000 |
| Noninterest-bearing deposits | 4,697,000 | 4,825,000 | 4,976,000 | 4,150,000 |
| Equity capital | 9,789,000 | 9,977,000 | 10,280,000 | 10,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 490,000 | 998,000 | 1,505,000 | 2,015,000 |
| Interest expense | 53,000 | 104,000 | 152,000 | 196,000 |
| Net interest income | 437,000 | 894,000 | 1,353,000 | 1,819,000 |
| Noninterest income | 13,000 | 25,000 | 35,000 | 116,000 |
| Noninterest expense | 113,000 | 218,000 | 321,000 | 470,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 1,000 |
| Pretax income | 337,000 | 700,000 | 1,066,000 | 1,464,000 |
| Income tax | 0 | 42,000 | 60,000 | 77,000 |
| Net income | 337,000 | 658,000 | 1,006,000 | 1,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,767,000 | 9,988,000 | 10,286,000 | 10,592,000 |
| Total capital | 9,892,000 | 10,113,000 | 10,411,000 | 10,717,000 |
| Risk-weighted assets | 31,177,000 | 33,024,000 | 28,254,000 | 28,346,000 |