Call reports 2014
VICTORY STATE BANK — 2014
What VICTORY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 289,539,000 | 288,122,000 | 307,442,000 | 285,730,000 |
| Total loans | 72,710,000 | 71,177,000 | 68,222,000 | 67,433,000 |
| Allowance for loan losses | 1,016,000 | 1,016,000 | 1,144,000 | 959,000 |
| Securities available for sale | 63,279,000 | 66,854,000 | 64,587,000 | 64,760,000 |
| Securities held to maturity | 100,726,000 | 97,827,000 | 124,620,000 | 121,930,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,330,000 | 258,915,000 | 277,982,000 | 256,760,000 |
| Interest-bearing deposits | 159,749,000 | 158,533,000 | 157,429,000 | 155,463,000 |
| Noninterest-bearing deposits | 100,581,000 | 100,382,000 | 120,553,000 | 101,297,000 |
| Equity capital | 27,370,000 | 27,882,000 | 28,278,000 | 28,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,166,000 | 4,255,000 | 6,851,000 | 9,010,000 |
| Interest expense | 189,000 | 363,000 | 536,000 | 709,000 |
| Net interest income | 1,977,000 | 3,892,000 | 6,315,000 | 8,301,000 |
| Noninterest income | 596,000 | 1,239,000 | 1,925,000 | 2,578,000 |
| Noninterest expense | 1,928,000 | 3,853,000 | 5,801,000 | 7,808,000 |
| Provision for loan losses | 140,000 | 170,000 | 295,000 | 345,000 |
| Pretax income | 505,000 | 1,108,000 | 2,144,000 | 2,726,000 |
| Income tax | 231,000 | 507,000 | 965,000 | 1,332,000 |
| Net income | 274,000 | 601,000 | 1,179,000 | 1,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,975,000 | 27,302,000 | 27,880,000 | 27,595,000 |
| Total capital | 27,991,000 | 28,318,000 | 29,024,000 | 28,554,000 |
| Risk-weighted assets | 103,806,000 | 102,362,000 | 109,581,000 | 108,585,000 |