Call reports 2007
VICTORY STATE BANK — 2007
What VICTORY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 208,728,000 | 217,006,000 | 209,688,000 | 201,708,000 |
| Total loans | 61,439,000 | 60,912,000 | 59,489,000 | 62,387,000 |
| Allowance for loan losses | 1,015,000 | 1,023,000 | 966,000 | 927,000 |
| Securities available for sale | 108,730,000 | 112,098,000 | 109,947,000 | 117,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,132,000 | 192,728,000 | 183,846,000 | 178,085,000 |
| Interest-bearing deposits | 118,928,000 | 125,921,000 | 118,944,000 | 114,262,000 |
| Noninterest-bearing deposits | 65,204,000 | 66,807,000 | 64,902,000 | 63,823,000 |
| Equity capital | 22,887,000 | 22,892,000 | 24,211,000 | 22,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,152,000 | 6,238,000 | 9,377,000 | 12,365,000 |
| Interest expense | 758,000 | 1,543,000 | 2,366,000 | 3,120,000 |
| Net interest income | 2,394,000 | 4,695,000 | 7,011,000 | 9,245,000 |
| Noninterest income | 491,000 | 1,011,000 | 1,529,000 | 2,072,000 |
| Noninterest expense | 1,818,000 | 3,571,000 | 5,383,000 | 7,179,000 |
| Provision for loan losses | -30,000 | -30,000 | -45,000 | -5,000 |
| Pretax income | 1,097,000 | 2,165,000 | 3,202,000 | 4,143,000 |
| Income tax | 511,000 | 1,009,000 | 1,492,000 | 1,870,000 |
| Net income | 586,000 | 1,156,000 | 1,710,000 | 2,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,934,000 | 24,504,000 | 25,058,000 | 22,821,000 |
| Total capital | 24,949,000 | 25,527,000 | 26,024,000 | 23,748,000 |
| Risk-weighted assets | 88,858,000 | 89,614,000 | 87,373,000 | 87,121,000 |