Call reports 2004
VICTORIA STATE BANK — 2004
What VICTORIA STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,418,000 | 57,920,000 | 59,608,000 | 58,151,000 |
| Total loans | 27,114,000 | 29,615,000 | 29,558,000 | 29,691,000 |
| Allowance for loan losses | 377,000 | 372,000 | 397,000 | 407,000 |
| Securities available for sale | 20,959,000 | 19,552,000 | 21,668,000 | 24,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,049,000 | 52,814,000 | 54,204,000 | 50,816,000 |
| Interest-bearing deposits | 37,174,000 | 37,827,000 | 44,769,000 | 42,009,000 |
| Noninterest-bearing deposits | 8,875,000 | 14,987,000 | 9,435,000 | 8,807,000 |
| Equity capital | 5,074,000 | 4,832,000 | 5,069,000 | 5,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 573,000 | 1,175,000 | 1,793,000 | 2,485,000 |
| Interest expense | 104,000 | 201,000 | 307,000 | 416,000 |
| Net interest income | 469,000 | 974,000 | 1,486,000 | 2,069,000 |
| Noninterest income | 98,000 | 211,000 | 329,000 | 422,000 |
| Noninterest expense | 406,000 | 815,000 | 1,233,000 | 1,620,000 |
| Provision for loan losses | 0 | 9,000 | 18,000 | -29,000 |
| Pretax income | 161,000 | 364,000 | 567,000 | 903,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 158,000 | 358,000 | 558,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,910,000 | 4,977,000 | 5,037,000 | 5,252,000 |
| Total capital | 5,287,000 | 5,349,000 | 5,434,000 | 5,659,000 |
| Risk-weighted assets | 38,213,000 | 38,051,000 | 39,460,000 | 37,898,000 |