Call reports 2016
VICTORY STATE BANK — 2016
What VICTORY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 330,285,000 | 332,377,000 | 332,610,000 | 336,903,000 |
| Total loans | 114,197,000 | 119,273,000 | 122,805,000 | 126,389,000 |
| Allowance for loan losses | 1,329,000 | 1,368,000 | 1,324,000 | 1,375,000 |
| Securities available for sale | 55,945,000 | 53,764,000 | 51,001,000 | 42,589,000 |
| Securities held to maturity | 117,171,000 | 117,417,000 | 115,132,000 | 118,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,838,000 | 301,206,000 | 300,912,000 | 305,124,000 |
| Interest-bearing deposits | 177,339,000 | 176,649,000 | 178,429,000 | 177,369,000 |
| Noninterest-bearing deposits | 122,499,000 | 124,557,000 | 122,483,000 | 127,755,000 |
| Equity capital | 29,111,000 | 29,853,000 | 29,843,000 | 30,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,643,000 | 5,330,000 | 8,112,000 | 10,912,000 |
| Interest expense | 237,000 | 472,000 | 704,000 | 936,000 |
| Net interest income | 2,406,000 | 4,858,000 | 7,408,000 | 9,976,000 |
| Noninterest income | 612,000 | 1,327,000 | 1,913,000 | 2,506,000 |
| Noninterest expense | 2,094,000 | 4,181,000 | 6,345,000 | 8,480,000 |
| Provision for loan losses | 50,000 | 195,000 | 225,000 | 265,000 |
| Pretax income | 874,000 | 1,809,000 | 2,751,000 | 3,737,000 |
| Income tax | 306,000 | 633,000 | 963,000 | 1,308,000 |
| Net income | 568,000 | 1,176,000 | 1,788,000 | 2,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,870,000 | 29,478,000 | 29,590,000 | 30,231,000 |
| Total capital | 30,199,000 | 30,846,000 | 30,914,000 | 31,606,000 |
| Risk-weighted assets | 155,038,000 | 159,553,000 | 162,918,000 | 165,441,000 |