Call reports 2012
VICTORY STATE BANK — 2012
What VICTORY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 251,692,000 | 255,012,000 | 262,111,000 | 272,849,000 |
| Total loans | 82,899,000 | 86,069,000 | 82,118,000 | 82,227,000 |
| Allowance for loan losses | 1,442,000 | 1,582,000 | 1,667,000 | 1,754,000 |
| Securities available for sale | 117,873,000 | 117,168,000 | 112,294,000 | 106,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,770,000 | 227,126,000 | 233,708,000 | 244,801,000 |
| Interest-bearing deposits | 145,145,000 | 149,104,000 | 151,407,000 | 159,535,000 |
| Noninterest-bearing deposits | 78,625,000 | 78,022,000 | 82,301,000 | 85,266,000 |
| Equity capital | 26,913,000 | 26,739,000 | 27,317,000 | 26,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,327,000 | 4,663,000 | 6,931,000 | 9,065,000 |
| Interest expense | 215,000 | 409,000 | 611,000 | 799,000 |
| Net interest income | 2,112,000 | 4,254,000 | 6,320,000 | 8,266,000 |
| Noninterest income | 596,000 | 1,197,000 | 1,770,000 | 2,312,000 |
| Noninterest expense | 1,952,000 | 3,882,000 | 5,765,000 | 7,793,000 |
| Provision for loan losses | 175,000 | 240,000 | 280,000 | 355,000 |
| Pretax income | 581,000 | 1,329,000 | 2,045,000 | 2,430,000 |
| Income tax | 266,000 | 608,000 | 936,000 | 1,112,000 |
| Net income | 315,000 | 721,000 | 1,109,000 | 1,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,452,000 | 25,358,000 | 25,746,000 | 25,455,000 |
| Total capital | 26,680,000 | 26,627,000 | 26,966,000 | 26,684,000 |
| Risk-weighted assets | 98,008,000 | 101,175,000 | 97,168,000 | 97,799,000 |