Call reports 2001
VICTORY STATE BANK — 2001
What VICTORY STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 75,319,000 | 82,152,000 | 93,022,000 | 101,254,000 |
| Total loans | 45,622,000 | 47,040,000 | 48,055,000 | 50,425,000 |
| Allowance for loan losses | 850,000 | 919,000 | 884,000 | 895,000 |
| Securities available for sale | 13,129,000 | 21,978,000 | 37,608,000 | 39,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,067,000 | 73,639,000 | 83,860,000 | 91,961,000 |
| Interest-bearing deposits | 42,248,000 | 46,722,000 | 50,736,000 | 54,124,000 |
| Noninterest-bearing deposits | 24,819,000 | 26,917,000 | 33,124,000 | 37,837,000 |
| Equity capital | 7,470,000 | 7,690,000 | 8,293,000 | 8,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,455,000 | 2,919,000 | 4,434,000 | 5,902,000 |
| Interest expense | 287,000 | 569,000 | 838,000 | 1,078,000 |
| Net interest income | 1,168,000 | 2,350,000 | 3,596,000 | 4,824,000 |
| Noninterest income | 208,000 | 432,000 | 651,000 | 901,000 |
| Noninterest expense | 893,000 | 1,790,000 | 2,720,000 | 3,672,000 |
| Provision for loan losses | 70,000 | 130,000 | 190,000 | 305,000 |
| Pretax income | 413,000 | 862,000 | 1,337,000 | 1,748,000 |
| Income tax | 194,000 | 407,000 | 630,000 | 823,000 |
| Net income | 219,000 | 455,000 | 707,000 | 925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,373,000 | 7,609,000 | 7,861,000 | 8,079,000 |
| Total capital | 8,028,000 | 8,301,000 | 8,602,000 | 8,884,000 |
| Risk-weighted assets | 52,243,000 | 55,097,000 | 59,115,000 | 64,319,000 |