Call reports 2002
VICTORIA STATE BANK — 2002
What VICTORIA STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 48,450,000 | 50,314,000 | 49,881,000 | 50,071,000 |
| Total loans | 26,624,000 | 27,692,000 | 27,187,000 | 27,167,000 |
| Allowance for loan losses | 580,000 | 584,000 | 607,000 | 496,000 |
| Securities available for sale | 16,191,000 | 16,673,000 | 14,677,000 | 16,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,414,000 | 44,134,000 | 44,003,000 | 44,935,000 |
| Interest-bearing deposits | 34,650,000 | 34,096,000 | 34,713,000 | 35,499,000 |
| Noninterest-bearing deposits | 8,764,000 | 10,038,000 | 9,290,000 | 9,436,000 |
| Equity capital | 4,760,000 | 5,099,000 | 5,394,000 | 4,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 765,000 | 1,547,000 | 2,271,000 | 2,958,000 |
| Interest expense | 225,000 | 438,000 | 642,000 | 826,000 |
| Net interest income | 540,000 | 1,109,000 | 1,629,000 | 2,132,000 |
| Noninterest income | 108,000 | 233,000 | 359,000 | 459,000 |
| Noninterest expense | 366,000 | 765,000 | 1,162,000 | 1,528,000 |
| Provision for loan losses | 25,000 | 30,000 | 92,000 | 209,000 |
| Pretax income | 257,000 | 547,000 | 734,000 | 854,000 |
| Income tax | 121,000 | 138,000 | 147,000 | 153,000 |
| Net income | 136,000 | 409,000 | 587,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,679,000 | 4,952,000 | 5,129,000 | 4,600,000 |
| Total capital | 5,070,000 | 5,377,000 | 5,557,000 | 5,064,000 |
| Risk-weighted assets | 31,057,000 | 33,833,000 | 34,098,000 | 37,094,000 |