Call reports 2017
VICTORY STATE BANK — 2017
What VICTORY STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 356,250,000 | 357,768,000 | 366,934,000 | 352,112,000 |
| Total loans | 129,400,000 | 135,562,000 | 136,249,000 | 137,362,000 |
| Allowance for loan losses | 1,411,000 | 1,571,000 | 1,559,000 | 1,565,000 |
| Securities available for sale | 40,220,000 | 46,058,000 | 44,676,000 | 46,080,000 |
| Securities held to maturity | 127,181,000 | 130,737,000 | 141,568,000 | 145,854,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,320,000 | 324,395,000 | 333,136,000 | 318,401,000 |
| Interest-bearing deposits | 183,609,000 | 190,080,000 | 189,889,000 | 184,308,000 |
| Noninterest-bearing deposits | 139,711,000 | 134,315,000 | 143,247,000 | 134,093,000 |
| Equity capital | 30,949,000 | 31,881,000 | 32,097,000 | 32,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,915,000 | 6,275,000 | 9,383,000 | 12,640,000 |
| Interest expense | 230,000 | 462,000 | 697,000 | 928,000 |
| Net interest income | 2,685,000 | 5,813,000 | 8,686,000 | 11,712,000 |
| Noninterest income | 590,000 | 1,151,000 | 1,698,000 | 2,233,000 |
| Noninterest expense | 2,191,000 | 4,436,000 | 6,688,000 | 8,985,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 1,069,000 | 2,513,000 | 3,681,000 | 4,945,000 |
| Income tax | 374,000 | 879,000 | 1,289,000 | 2,154,000 |
| Net income | 695,000 | 1,634,000 | 2,392,000 | 2,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,926,000 | 31,865,000 | 32,124,000 | 32,522,000 |
| Total capital | 32,337,000 | 33,436,000 | 33,683,000 | 34,087,000 |
| Risk-weighted assets | 169,341,000 | 177,174,000 | 179,055,000 | 180,130,000 |