Call reports 2013
VICTORY STATE BANK — 2013
What VICTORY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 278,778,000 | 299,408,000 | 303,529,000 | 299,566,000 |
| Total loans | 79,627,000 | 76,818,000 | 76,846,000 | 73,081,000 |
| Allowance for loan losses | 1,317,000 | 1,252,000 | 1,261,000 | 1,094,000 |
| Securities available for sale | 121,748,000 | 47,231,000 | 56,913,000 | 57,517,000 |
| Securities held to maturity | 0 | 81,807,000 | 99,959,000 | 97,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,896,000 | 271,526,000 | 275,199,000 | 271,523,000 |
| Interest-bearing deposits | 162,038,000 | 174,494,000 | 173,892,000 | 172,074,000 |
| Noninterest-bearing deposits | 88,858,000 | 97,032,000 | 101,307,000 | 99,449,000 |
| Equity capital | 26,972,000 | 26,624,000 | 26,969,000 | 27,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,086,000 | 4,217,000 | 6,403,000 | 8,628,000 |
| Interest expense | 215,000 | 419,000 | 625,000 | 830,000 |
| Net interest income | 1,871,000 | 3,798,000 | 5,778,000 | 7,798,000 |
| Noninterest income | 578,000 | 1,125,000 | 1,806,000 | 2,435,000 |
| Noninterest expense | 1,873,000 | 3,810,000 | 5,703,000 | 7,652,000 |
| Provision for loan losses | 120,000 | 135,000 | 180,000 | 285,000 |
| Pretax income | 456,000 | 978,000 | 1,701,000 | 2,296,000 |
| Income tax | 209,000 | 447,000 | 778,000 | 1,051,000 |
| Net income | 247,000 | 531,000 | 923,000 | 1,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,702,000 | 25,986,000 | 26,378,000 | 26,701,000 |
| Total capital | 26,937,000 | 27,231,000 | 27,639,000 | 27,795,000 |
| Risk-weighted assets | 98,747,000 | 99,625,000 | 104,807,000 | 101,688,000 |