Call reports 2019
VICTORY STATE BANK — 2019
What VICTORY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 400,492,000 | 396,510,000 | 378,014,000 | 370,949,000 |
| Total loans | 154,321,000 | 154,865,000 | 157,224,000 | 160,082,000 |
| Allowance for loan losses | 1,582,000 | 1,672,000 | 1,722,000 | 1,613,000 |
| Securities available for sale | 35,399,000 | 34,024,000 | 32,053,000 | 29,863,000 |
| Securities held to maturity | 162,635,000 | 156,640,000 | 131,471,000 | 121,737,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,603,000 | 333,518,000 | 328,554,000 | 326,192,000 |
| Interest-bearing deposits | 184,601,000 | 185,759,000 | 180,198,000 | 176,206,000 |
| Noninterest-bearing deposits | 173,002,000 | 147,759,000 | 148,356,000 | 149,986,000 |
| Equity capital | 35,568,000 | 35,856,000 | 37,092,000 | 37,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,398,000 | 7,140,000 | 10,783,000 | 14,263,000 |
| Interest expense | 422,000 | 904,000 | 1,418,000 | 1,869,000 |
| Net interest income | 2,976,000 | 6,236,000 | 9,365,000 | 12,394,000 |
| Noninterest income | 507,000 | 1,077,000 | 1,726,000 | 2,311,000 |
| Noninterest expense | 2,544,000 | 5,157,000 | 7,742,000 | 10,176,000 |
| Provision for loan losses | 50,000 | 130,000 | 175,000 | 225,000 |
| Pretax income | 889,000 | 2,026,000 | 3,174,000 | 4,304,000 |
| Income tax | 201,000 | 451,000 | 418,000 | 738,000 |
| Net income | 688,000 | 1,575,000 | 2,756,000 | 3,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,951,000 | 35,938,000 | 37,119,000 | 37,929,000 |
| Total capital | 37,533,000 | 37,610,000 | 38,841,000 | 39,542,000 |
| Risk-weighted assets | 195,947,000 | 197,328,000 | 194,616,000 | 194,278,000 |