Call reports 2003
VICTORIA STATE BANK — 2003
What VICTORIA STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 49,912,000 | 53,920,000 | 53,897,000 | 51,367,000 |
| Total loans | 26,431,000 | 25,828,000 | 24,565,000 | 23,865,000 |
| Allowance for loan losses | 476,000 | 444,000 | 433,000 | 367,000 |
| Securities available for sale | 17,606,000 | 21,532,000 | 22,967,000 | 23,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,620,000 | 48,589,000 | 48,576,000 | 46,236,000 |
| Interest-bearing deposits | 36,388,000 | 38,286,000 | 37,632,000 | 37,423,000 |
| Noninterest-bearing deposits | 8,232,000 | 10,303,000 | 10,944,000 | 8,813,000 |
| Equity capital | 4,965,000 | 5,031,000 | 4,994,000 | 4,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 617,000 | 1,239,000 | 1,823,000 | 2,407,000 |
| Interest expense | 152,000 | 298,000 | 429,000 | 542,000 |
| Net interest income | 465,000 | 941,000 | 1,394,000 | 1,865,000 |
| Noninterest income | 109,000 | 244,000 | 348,000 | 451,000 |
| Noninterest expense | 396,000 | 780,000 | 1,181,000 | 1,577,000 |
| Provision for loan losses | 3,000 | 45,000 | 25,000 | -40,000 |
| Pretax income | 175,000 | 360,000 | 536,000 | 779,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 40,000 |
| Net income | 165,000 | 340,000 | 506,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,765,000 | 4,790,000 | 4,885,000 | 4,752,000 |
| Total capital | 5,171,000 | 5,234,000 | 5,318,000 | 5,119,000 |
| Risk-weighted assets | 32,444,000 | 37,026,000 | 36,933,000 | 35,439,000 |