Call reports 2010
VICTORY STATE BANK — 2010
What VICTORY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 240,403,000 | 255,596,000 | 243,776,000 | 236,704,000 |
| Total loans | 78,080,000 | 77,415,000 | 79,068,000 | 81,635,000 |
| Allowance for loan losses | 1,162,000 | 1,214,000 | 1,246,000 | 1,277,000 |
| Securities available for sale | 112,989,000 | 111,341,000 | 111,826,000 | 121,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,698,000 | 228,159,000 | 215,356,000 | 209,503,000 |
| Interest-bearing deposits | 142,663,000 | 153,901,000 | 143,278,000 | 141,244,000 |
| Noninterest-bearing deposits | 71,035,000 | 74,258,000 | 72,078,000 | 68,259,000 |
| Equity capital | 24,775,000 | 25,450,000 | 26,091,000 | 25,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,569,000 | 5,178,000 | 7,799,000 | 10,335,000 |
| Interest expense | 274,000 | 540,000 | 791,000 | 1,024,000 |
| Net interest income | 2,295,000 | 4,638,000 | 7,008,000 | 9,311,000 |
| Noninterest income | 583,000 | 1,170,000 | 1,769,000 | 2,358,000 |
| Noninterest expense | 1,944,000 | 3,945,000 | 5,911,000 | 7,853,000 |
| Provision for loan losses | 90,000 | 110,000 | 125,000 | 140,000 |
| Pretax income | 844,000 | 1,753,000 | 2,741,000 | 3,676,000 |
| Income tax | 386,000 | 802,000 | 1,254,000 | 1,682,000 |
| Net income | 458,000 | 951,000 | 1,487,000 | 1,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,926,000 | 23,419,000 | 23,955,000 | 24,062,000 |
| Total capital | 24,088,000 | 24,633,000 | 25,144,000 | 25,284,000 |
| Risk-weighted assets | 100,835,000 | 98,803,000 | 95,051,000 | 97,685,000 |