Call reports 2017
VICTOR STATE BANK — 2017
What VICTOR STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 51,820,000 | 53,674,000 | 53,409,000 | 54,890,000 |
| Total loans | 25,756,000 | 28,074,000 | 26,596,000 | 27,574,000 |
| Allowance for loan losses | 131,000 | 131,000 | 131,000 | 131,000 |
| Securities available for sale | 344,000 | 349,000 | 349,000 | 347,000 |
| Securities held to maturity | 23,585,000 | 22,095,000 | 22,481,000 | 22,611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,420,000 | 33,070,000 | 33,670,000 | 33,580,000 |
| Interest-bearing deposits | 27,777,000 | 27,098,000 | 26,875,000 | 26,905,000 |
| Noninterest-bearing deposits | 5,643,000 | 5,972,000 | 6,795,000 | 6,675,000 |
| Equity capital | 14,140,000 | 14,261,000 | 14,486,000 | 14,722,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 1,011,000 | 1,509,000 | 2,051,000 |
| Interest expense | 37,000 | 119,000 | 166,000 | 265,000 |
| Net interest income | 469,000 | 892,000 | 1,343,000 | 1,786,000 |
| Noninterest income | 11,000 | 20,000 | 34,000 | 140,000 |
| Noninterest expense | 123,000 | 220,000 | 323,000 | 515,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 357,000 | 692,000 | 1,054,000 | 1,411,000 |
| Income tax | 18,000 | 37,000 | 73,000 | 92,000 |
| Net income | 339,000 | 655,000 | 981,000 | 1,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,129,000 | 14,245,000 | 14,471,000 | 14,709,000 |
| Total capital | 14,260,000 | 14,376,000 | 14,602,000 | 14,840,000 |
| Risk-weighted assets | 34,045,000 | 35,408,000 | 34,661,000 | 35,541,000 |