Call reports 2007
VININGS BANK — 2007
What VININGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q3 | 2007Q4 |
|---|---|---|
| Total assets | 28,724,000 | 36,830,000 |
| Total loans | 11,720,000 | 26,595,000 |
| Allowance for loan losses | 118,000 | 267,000 |
| Securities available for sale | 4,930,000 | 7,631,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 9,713,000 | 14,525,000 |
| Interest-bearing deposits | 9,133,000 | 13,780,000 |
| Noninterest-bearing deposits | 580,000 | 745,000 |
| Equity capital | 18,834,000 | 18,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q3 | 2007Q4 |
|---|---|---|
| Interest income | 334,000 | 920,000 |
| Interest expense | 68,000 | 205,000 |
| Net interest income | 266,000 | 715,000 |
| Noninterest income | -1,000 | -3,000 |
| Noninterest expense | 1,546,000 | 2,186,000 |
| Provision for loan losses | 118,000 | 267,000 |
| Pretax income | -1,399,000 | -1,741,000 |
| Income tax | 0 | 0 |
| Net income | -1,399,000 | -1,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q3 | 2007Q4 |
|---|---|---|
| Tier 1 capital | 18,837,000 | 18,720,000 |
| Total capital | 18,955,000 | 18,987,000 |
| Risk-weighted assets | 16,602,000 | 32,402,000 |