Call reports 2009
VICTORY STATE BANK — 2009
What VICTORY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 222,997,000 | 226,352,000 | 230,812,000 | 238,099,000 |
| Total loans | 68,762,000 | 69,380,000 | 72,873,000 | 78,902,000 |
| Allowance for loan losses | 927,000 | 928,000 | 1,024,000 | 1,063,000 |
| Securities available for sale | 120,401,000 | 115,350,000 | 116,543,000 | 113,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,947,000 | 200,832,000 | 203,801,000 | 212,558,000 |
| Interest-bearing deposits | 136,829,000 | 134,572,000 | 137,392,000 | 140,595,000 |
| Noninterest-bearing deposits | 61,118,000 | 66,260,000 | 66,409,000 | 71,963,000 |
| Equity capital | 23,466,000 | 23,946,000 | 24,947,000 | 24,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,748,000 | 5,419,000 | 8,067,000 | 10,758,000 |
| Interest expense | 413,000 | 747,000 | 1,063,000 | 1,370,000 |
| Net interest income | 2,335,000 | 4,672,000 | 7,004,000 | 9,388,000 |
| Noninterest income | 573,000 | 1,147,000 | 1,706,000 | 2,259,000 |
| Noninterest expense | 1,908,000 | 3,835,000 | 5,747,000 | 7,667,000 |
| Provision for loan losses | 275,000 | 375,000 | 450,000 | 560,000 |
| Pretax income | 725,000 | 1,609,000 | 2,513,000 | 3,420,000 |
| Income tax | 335,000 | 743,000 | 1,160,000 | 1,539,000 |
| Net income | 390,000 | 866,000 | 1,353,000 | 1,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,977,000 | 22,453,000 | 22,940,000 | 22,468,000 |
| Total capital | 22,904,000 | 23,381,000 | 23,964,000 | 23,531,000 |
| Risk-weighted assets | 92,240,000 | 93,215,000 | 96,020,000 | 102,393,000 |