Call reports 2015
VICTOR STATE BANK — 2015
What VICTOR STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 50,019,000 | 51,873,000 | 48,486,000 | 50,308,000 |
| Total loans | 21,980,000 | 21,617,000 | 19,210,000 | 20,817,000 |
| Allowance for loan losses | 131,000 | 131,000 | 131,000 | 131,000 |
| Securities available for sale | 447,000 | 439,000 | 431,000 | 447,000 |
| Securities held to maturity | 25,703,000 | 25,261,000 | 26,415,000 | 26,056,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,125,000 | 35,982,000 | 34,968,000 | 34,451,000 |
| Interest-bearing deposits | 29,039,000 | 29,125,000 | 27,478,000 | 27,453,000 |
| Noninterest-bearing deposits | 6,086,000 | 6,857,000 | 7,490,000 | 6,998,000 |
| Equity capital | 12,054,000 | 12,355,000 | 12,691,000 | 12,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 534,000 | 1,075,000 | 1,613,000 | 2,127,000 |
| Interest expense | 47,000 | 143,000 | 229,000 | 285,000 |
| Net interest income | 487,000 | 932,000 | 1,384,000 | 1,842,000 |
| Noninterest income | 13,000 | 24,000 | 35,000 | 114,000 |
| Noninterest expense | 147,000 | 252,000 | 371,000 | 523,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 353,000 | 704,000 | 1,048,000 | 1,433,000 |
| Income tax | 0 | 41,000 | 41,000 | 41,000 |
| Net income | 353,000 | 663,000 | 1,007,000 | 1,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,051,000 | 12,340,000 | 12,685,000 | 12,820,000 |
| Total capital | 12,182,000 | 12,471,000 | 12,816,000 | 12,951,000 |
| Risk-weighted assets | 30,616,000 | 30,558,000 | 28,741,000 | 30,268,000 |