Call reports 2018
VICTOR STATE BANK — 2018
What VICTOR STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 55,082,000 | 40,167,000 | 36,999,000 | 34,874,000 |
| Total loans | 28,653,000 | 18,517,000 | 13,287,000 | 13,105,000 |
| Allowance for loan losses | 131,000 | 10,000 | 40,000 | 70,000 |
| Securities available for sale | 341,000 | 241,000 | 11,880,000 | 12,856,000 |
| Securities held to maturity | 22,123,000 | 11,041,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,028,000 | 33,049,000 | 30,381,000 | 28,350,000 |
| Interest-bearing deposits | 26,157,000 | 26,334,000 | 23,939,000 | 21,742,000 |
| Noninterest-bearing deposits | 5,871,000 | 6,715,000 | 6,442,000 | 6,608,000 |
| Equity capital | 15,100,000 | 5,950,000 | 6,338,000 | 6,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 532,000 | 94,000 | 578,000 | 839,000 |
| Interest expense | 66,000 | 13,000 | 129,000 | 177,000 |
| Net interest income | 466,000 | 81,000 | 449,000 | 662,000 |
| Noninterest income | 12,000 | 6,000 | 9,000 | 34,000 |
| Noninterest expense | 96,000 | 14,000 | 112,000 | 455,000 |
| Provision for loan losses | 0 | 10,000 | 40,000 | 70,000 |
| Pretax income | 382,000 | 63,000 | 306,000 | 171,000 |
| Income tax | 0 | 3,000 | 12,000 | 29,000 |
| Net income | 382,000 | 60,000 | 294,000 | 142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,092,000 | 3,430,000 | 3,821,000 | 3,730,000 |
| Total capital | 15,223,000 | 3,440,000 | 3,861,000 | 3,800,000 |
| Risk-weighted assets | 36,350,000 | 24,594,000 | 19,350,000 | 19,188,000 |