Call reports 2006
VICTORY STATE BANK — 2006
What VICTORY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 219,959,000 | 226,079,000 | 223,660,000 | 212,632,000 |
| Total loans | 70,887,000 | 71,954,000 | 66,182,000 | 66,416,000 |
| Allowance for loan losses | 1,182,000 | 1,241,000 | 1,193,000 | 1,129,000 |
| Securities available for sale | 111,188,000 | 117,999,000 | 113,889,000 | 113,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,565,000 | 204,733,000 | 200,248,000 | 188,718,000 |
| Interest-bearing deposits | 123,545,000 | 132,254,000 | 124,683,000 | 119,839,000 |
| Noninterest-bearing deposits | 75,020,000 | 72,479,000 | 75,565,000 | 68,879,000 |
| Equity capital | 19,149,000 | 19,341,000 | 21,002,000 | 21,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,161,000 | 6,395,000 | 9,828,000 | 13,167,000 |
| Interest expense | 583,000 | 1,261,000 | 2,064,000 | 2,862,000 |
| Net interest income | 2,578,000 | 5,134,000 | 7,764,000 | 10,305,000 |
| Noninterest income | 451,000 | 902,000 | 1,324,000 | 1,821,000 |
| Noninterest expense | 1,795,000 | 3,594,000 | 5,362,000 | 7,007,000 |
| Provision for loan losses | 25,000 | 25,000 | 0 | -65,000 |
| Pretax income | 1,209,000 | 2,417,000 | 3,726,000 | 5,184,000 |
| Income tax | 563,000 | 1,126,000 | 1,736,000 | 2,415,000 |
| Net income | 646,000 | 1,291,000 | 1,990,000 | 2,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,099,000 | 21,744,000 | 22,443,000 | 23,348,000 |
| Total capital | 22,281,000 | 22,985,000 | 23,636,000 | 24,477,000 |
| Risk-weighted assets | 100,218,000 | 101,696,000 | 96,394,000 | 93,719,000 |