Call reports 2014
VICTOR STATE BANK — 2014
What VICTOR STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 55,676,000 | 54,521,000 | 49,854,000 | 51,995,000 |
| Total loans | 26,653,000 | 24,675,000 | 19,711,000 | 22,478,000 |
| Allowance for loan losses | 131,000 | 131,000 | 131,000 | 131,000 |
| Securities available for sale | 427,000 | 438,000 | 441,000 | 444,000 |
| Securities held to maturity | 26,252,000 | 26,526,000 | 27,433,000 | 26,064,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,715,000 | 36,309,000 | 34,734,000 | 35,635,000 |
| Interest-bearing deposits | 32,011,000 | 31,943,000 | 28,544,000 | 28,837,000 |
| Noninterest-bearing deposits | 4,704,000 | 4,366,000 | 6,190,000 | 6,798,000 |
| Equity capital | 10,964,000 | 11,195,000 | 11,517,000 | 11,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 546,000 | 1,079,000 | 1,762,000 | 2,251,000 |
| Interest expense | 68,000 | 157,000 | 324,000 | 386,000 |
| Net interest income | 478,000 | 922,000 | 1,438,000 | 1,865,000 |
| Noninterest income | 12,000 | 22,000 | 34,000 | 111,000 |
| Noninterest expense | 123,000 | 224,000 | 366,000 | 525,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 367,000 | 720,000 | 1,106,000 | 1,451,000 |
| Income tax | 0 | 32,000 | 49,000 | 66,000 |
| Net income | 367,000 | 688,000 | 1,057,000 | 1,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,960,000 | 11,180,000 | 11,499,000 | 11,678,000 |
| Total capital | 11,091,000 | 11,311,000 | 11,630,000 | 11,809,000 |
| Risk-weighted assets | 35,766,000 | 33,411,000 | 28,452,000 | 31,016,000 |