Call reports 2011
VICTORY STATE BANK — 2011
What VICTORY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 239,629,000 | 247,033,000 | 247,809,000 | 243,664,000 |
| Total loans | 80,010,000 | 82,889,000 | 82,221,000 | 82,039,000 |
| Allowance for loan losses | 1,302,000 | 1,193,000 | 1,313,000 | 1,343,000 |
| Securities available for sale | 117,365,000 | 120,283,000 | 113,008,000 | 108,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,483,000 | 218,754,000 | 218,787,000 | 215,711,000 |
| Interest-bearing deposits | 139,920,000 | 140,887,000 | 137,455,000 | 140,888,000 |
| Noninterest-bearing deposits | 72,563,000 | 77,867,000 | 81,332,000 | 74,823,000 |
| Equity capital | 25,689,000 | 26,674,000 | 27,378,000 | 26,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,511,000 | 4,905,000 | 7,412,000 | 9,621,000 |
| Interest expense | 228,000 | 446,000 | 656,000 | 863,000 |
| Net interest income | 2,283,000 | 4,459,000 | 6,756,000 | 8,758,000 |
| Noninterest income | 564,000 | 1,160,000 | 1,739,000 | 2,360,000 |
| Noninterest expense | 1,950,000 | 3,850,000 | 5,801,000 | 7,656,000 |
| Provision for loan losses | 30,000 | 55,000 | 145,000 | 595,000 |
| Pretax income | 867,000 | 1,714,000 | 2,549,000 | 2,867,000 |
| Income tax | 397,000 | 784,000 | 1,166,000 | 1,292,000 |
| Net income | 470,000 | 930,000 | 1,383,000 | 1,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,532,000 | 24,992,000 | 25,444,000 | 25,137,000 |
| Total capital | 25,710,000 | 26,185,000 | 26,618,000 | 26,318,000 |
| Risk-weighted assets | 94,101,000 | 97,480,000 | 93,803,000 | 94,330,000 |