Call reports 2018
VICTORY STATE BANK — 2018
What VICTORY STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 363,040,000 | 371,060,000 | 376,979,000 | 377,118,000 |
| Total loans | 130,047,000 | 130,627,000 | 125,666,000 | 128,133,000 |
| Allowance for loan losses | 1,620,000 | 1,378,000 | 1,382,000 | 1,472,000 |
| Securities available for sale | 43,760,000 | 41,642,000 | 39,742,000 | 38,296,000 |
| Securities held to maturity | 156,219,000 | 164,449,000 | 166,946,000 | 168,272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,195,000 | 336,427,000 | 341,488,000 | 340,281,000 |
| Interest-bearing deposits | 189,605,000 | 190,650,000 | 181,187,000 | 183,096,000 |
| Noninterest-bearing deposits | 138,590,000 | 145,777,000 | 160,301,000 | 157,185,000 |
| Equity capital | 32,916,000 | 32,817,000 | 33,381,000 | 34,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,221,000 | 6,388,000 | 9,761,000 | 13,604,000 |
| Interest expense | 236,000 | 538,000 | 869,000 | 1,192,000 |
| Net interest income | 2,985,000 | 5,850,000 | 8,892,000 | 12,412,000 |
| Noninterest income | 520,000 | 1,075,000 | 1,613,000 | 2,164,000 |
| Noninterest expense | 2,291,000 | 4,710,000 | 7,367,000 | 9,929,000 |
| Provision for loan losses | 0 | 0 | 0 | 125,000 |
| Pretax income | 1,214,000 | 2,215,000 | 3,138,000 | 4,522,000 |
| Income tax | 267,000 | 525,000 | 763,000 | 1,088,000 |
| Net income | 947,000 | 1,690,000 | 2,375,000 | 3,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,526,000 | 33,519,000 | 34,204,000 | 35,263,000 |
| Total capital | 35,146,000 | 34,897,000 | 35,586,000 | 36,735,000 |
| Risk-weighted assets | 168,758,000 | 172,187,000 | 167,089,000 | 169,622,000 |