Call reports 2002
VICTORY STATE BANK — 2002
What VICTORY 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 | 107,894,000 | 115,867,000 | 132,943,000 | 135,885,000 |
| Total loans | 55,700,000 | 58,474,000 | 58,744,000 | 63,415,000 |
| Allowance for loan losses | 949,000 | 1,040,000 | 1,113,000 | 1,168,000 |
| Securities available for sale | 36,191,000 | 34,360,000 | 37,684,000 | 43,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,381,000 | 105,812,000 | 122,507,000 | 124,743,000 |
| Interest-bearing deposits | 58,824,000 | 63,104,000 | 70,389,000 | 78,004,000 |
| Noninterest-bearing deposits | 39,557,000 | 42,708,000 | 52,118,000 | 46,739,000 |
| Equity capital | 8,356,000 | 8,940,000 | 9,150,000 | 9,763,000 |
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 | 1,485,000 | 3,126,000 | 4,770,000 | 6,597,000 |
| Interest expense | 197,000 | 389,000 | 596,000 | 822,000 |
| Net interest income | 1,288,000 | 2,737,000 | 4,174,000 | 5,775,000 |
| Noninterest income | 262,000 | 562,000 | 877,000 | 1,216,000 |
| Noninterest expense | 1,041,000 | 2,132,000 | 3,236,000 | 4,405,000 |
| Provision for loan losses | 110,000 | 215,000 | 275,000 | 355,000 |
| Pretax income | 399,000 | 952,000 | 1,540,000 | 2,231,000 |
| Income tax | 188,000 | 449,000 | 725,000 | 1,051,000 |
| Net income | 211,000 | 503,000 | 815,000 | 1,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,290,000 | 8,582,000 | 8,894,000 | 9,336,000 |
| Total capital | 9,174,000 | 9,505,000 | 9,866,000 | 10,359,000 |
| Risk-weighted assets | 70,692,000 | 73,706,000 | 77,589,000 | 81,706,000 |