Call reports 2016
VICTOR STATE BANK — 2016
What VICTOR STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 53,818,000 | 53,236,000 | 50,494,000 | 53,058,000 |
| Total loans | 25,650,000 | 25,412,000 | 23,136,000 | 23,409,000 |
| Allowance for loan losses | 131,000 | 131,000 | 131,000 | 131,000 |
| Securities available for sale | 448,000 | 454,000 | 352,000 | 343,000 |
| Securities held to maturity | 24,986,000 | 24,477,000 | 24,469,000 | 24,998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,843,000 | 34,429,000 | 34,933,000 | 36,070,000 |
| Interest-bearing deposits | 28,438,000 | 28,843,000 | 28,578,000 | 28,917,000 |
| Noninterest-bearing deposits | 6,405,000 | 5,586,000 | 6,355,000 | 7,153,000 |
| Equity capital | 13,139,000 | 13,455,000 | 13,717,000 | 13,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 1,029,000 | 1,614,000 | 2,107,000 |
| Interest expense | 35,000 | 140,000 | 246,000 | 304,000 |
| Net interest income | 428,000 | 889,000 | 1,368,000 | 1,803,000 |
| Noninterest income | 13,000 | 24,000 | 37,000 | 125,000 |
| Noninterest expense | 108,000 | 206,000 | 308,000 | 472,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 333,000 | 707,000 | 1,097,000 | 1,456,000 |
| Income tax | 37,000 | 51,000 | 69,000 | 86,000 |
| Net income | 296,000 | 656,000 | 1,028,000 | 1,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,116,000 | 13,426,000 | 13,698,000 | 13,790,000 |
| Total capital | 13,247,000 | 13,557,000 | 13,829,000 | 13,921,000 |
| Risk-weighted assets | 34,666,000 | 34,075,000 | 31,500,000 | 32,189,000 |