Call reports 2019
VICTOR STATE BANK — 2019
What VICTOR STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 35,762,000 | 34,967,000 | 37,249,000 | 35,649,000 |
| Total loans | 12,697,000 | 13,018,000 | 14,032,000 | 12,313,000 |
| Allowance for loan losses | 100,000 | 130,000 | 160,000 | 190,000 |
| Securities available for sale | 12,863,000 | 14,055,000 | 14,928,000 | 15,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,038,000 | 27,968,000 | 30,017,000 | 28,392,000 |
| Interest-bearing deposits | 22,066,000 | 21,383,000 | 19,685,000 | 19,380,000 |
| Noninterest-bearing deposits | 6,971,000 | 6,585,000 | 10,332,000 | 9,012,000 |
| Equity capital | 6,397,000 | 6,624,000 | 6,864,000 | 6,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 312,000 | 605,000 | 1,002,000 | 1,348,000 |
| Interest expense | 45,000 | 98,000 | 152,000 | 208,000 |
| Net interest income | 267,000 | 507,000 | 850,000 | 1,140,000 |
| Noninterest income | 18,000 | 34,000 | 49,000 | 65,000 |
| Noninterest expense | 210,000 | 347,000 | 495,000 | 737,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 45,000 | 134,000 | 314,000 | 348,000 |
| Income tax | -21,000 | 19,000 | 28,000 | 44,000 |
| Net income | 66,000 | 115,000 | 286,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,868,000 | 3,951,000 | 4,187,000 | 4,268,000 |
| Total capital | 3,968,000 | 4,081,000 | 4,347,000 | 4,458,000 |
| Risk-weighted assets | 17,109,000 | 17,468,000 | 18,966,000 | 19,963,000 |