Call reports 2015
VICTORY STATE BANK — 2015
What VICTORY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 290,350,000 | 292,236,000 | 320,608,000 | 308,406,000 |
| Total loans | 94,463,000 | 94,742,000 | 101,010,000 | 104,525,000 |
| Allowance for loan losses | 1,127,000 | 1,184,000 | 1,231,000 | 1,291,000 |
| Securities available for sale | 60,767,000 | 56,706,000 | 53,720,000 | 58,097,000 |
| Securities held to maturity | 118,401,000 | 117,440,000 | 123,602,000 | 120,586,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,906,000 | 263,161,000 | 291,094,000 | 278,898,000 |
| Interest-bearing deposits | 167,272,000 | 162,476,000 | 170,560,000 | 175,015,000 |
| Noninterest-bearing deposits | 93,634,000 | 100,685,000 | 120,534,000 | 103,883,000 |
| Equity capital | 28,420,000 | 27,613,000 | 28,135,000 | 28,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,208,000 | 4,662,000 | 7,167,000 | 9,732,000 |
| Interest expense | 172,000 | 356,000 | 542,000 | 761,000 |
| Net interest income | 2,036,000 | 4,306,000 | 6,625,000 | 8,971,000 |
| Noninterest income | 609,000 | 1,332,000 | 1,999,000 | 2,652,000 |
| Noninterest expense | 2,006,000 | 4,249,000 | 6,407,000 | 8,527,000 |
| Provision for loan losses | 160,000 | 190,000 | 230,000 | 230,000 |
| Pretax income | 479,000 | 1,199,000 | 1,987,000 | 2,901,000 |
| Income tax | 201,000 | 598,000 | 874,000 | 1,194,000 |
| Net income | 278,000 | 601,000 | 1,113,000 | 1,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,873,000 | 27,196,000 | 27,709,000 | 28,302,000 |
| Total capital | 29,000,000 | 28,380,000 | 28,940,000 | 29,593,000 |
| Risk-weighted assets | 135,274,000 | 138,159,000 | 146,310,000 | 151,404,000 |