Call reports 2005
VICTORY STATE BANK — 2005
What VICTORY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 226,617,000 | 220,826,000 | 231,060,000 | 217,617,000 |
| Total loans | 66,629,000 | 76,240,000 | 76,128,000 | 73,957,000 |
| Allowance for loan losses | 1,454,000 | 1,411,000 | 1,410,000 | 1,153,000 |
| Securities available for sale | 119,700,000 | 114,370,000 | 105,466,000 | 106,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,158,000 | 200,046,000 | 209,207,000 | 196,383,000 |
| Interest-bearing deposits | 118,068,000 | 123,487,000 | 130,817,000 | 127,022,000 |
| Noninterest-bearing deposits | 89,090,000 | 76,559,000 | 78,390,000 | 69,361,000 |
| Equity capital | 16,996,000 | 18,481,000 | 18,615,000 | 19,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,707,000 | 5,415,000 | 8,311,000 | 11,385,000 |
| Interest expense | 283,000 | 649,000 | 1,086,000 | 1,622,000 |
| Net interest income | 2,424,000 | 4,766,000 | 7,225,000 | 9,763,000 |
| Noninterest income | 425,000 | 891,000 | 1,385,000 | 1,828,000 |
| Noninterest expense | 1,561,000 | 3,132,000 | 4,759,000 | 6,397,000 |
| Provision for loan losses | -30,000 | -75,000 | -90,000 | -60,000 |
| Pretax income | 1,318,000 | 2,600,000 | 3,941,000 | 5,254,000 |
| Income tax | 614,000 | 1,211,000 | 1,836,000 | 2,448,000 |
| Net income | 704,000 | 1,389,000 | 2,105,000 | 2,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,351,000 | 19,036,000 | 19,752,000 | 20,453,000 |
| Total capital | 19,598,000 | 20,351,000 | 21,094,000 | 21,606,000 |
| Risk-weighted assets | 99,533,000 | 105,085,000 | 107,287,000 | 104,053,000 |