Call reports 2004
VICTORY STATE BANK — 2004
What VICTORY 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 | 187,121,000 | 209,291,000 | 234,363,000 | 237,937,000 |
| Total loans | 67,551,000 | 71,128,000 | 68,884,000 | 68,055,000 |
| Allowance for loan losses | 1,225,000 | 1,210,000 | 1,237,000 | 1,300,000 |
| Securities available for sale | 78,903,000 | 94,475,000 | 109,974,000 | 128,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,524,000 | 191,911,000 | 215,895,000 | 218,470,000 |
| Interest-bearing deposits | 89,498,000 | 102,886,000 | 110,161,000 | 114,123,000 |
| Noninterest-bearing deposits | 80,026,000 | 89,025,000 | 105,734,000 | 104,347,000 |
| Equity capital | 15,772,000 | 14,875,000 | 16,366,000 | 17,182,000 |
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 | 2,198,000 | 4,462,000 | 6,980,000 | 9,753,000 |
| Interest expense | 163,000 | 339,000 | 539,000 | 799,000 |
| Net interest income | 2,035,000 | 4,123,000 | 6,441,000 | 8,954,000 |
| Noninterest income | 450,000 | 873,000 | 1,317,000 | 1,785,000 |
| Noninterest expense | 1,372,000 | 2,801,000 | 4,271,000 | 5,878,000 |
| Provision for loan losses | 50,000 | 100,000 | 130,000 | 150,000 |
| Pretax income | 1,063,000 | 2,095,000 | 3,357,000 | 4,711,000 |
| Income tax | 495,000 | 976,000 | 1,564,000 | 2,195,000 |
| Net income | 568,000 | 1,119,000 | 1,793,000 | 2,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,699,000 | 16,250,000 | 16,924,000 | 17,647,000 |
| Total capital | 16,842,000 | 17,460,000 | 18,161,000 | 18,924,000 |
| Risk-weighted assets | 91,368,000 | 98,780,000 | 100,940,000 | 102,125,000 |