Call reports 2009
VININGS BANK — 2009
What VININGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 134,019,000 | 171,039,000 | 185,260,000 | 199,050,000 |
| Total loans | 97,995,000 | 107,992,000 | 107,649,000 | 114,474,000 |
| Allowance for loan losses | 1,104,000 | 1,307,000 | 1,512,000 | 2,977,000 |
| Securities available for sale | 29,012,000 | 45,550,000 | 51,263,000 | 65,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,471,000 | 134,322,000 | 152,602,000 | 162,960,000 |
| Interest-bearing deposits | 94,308,000 | 120,679,000 | 141,374,000 | 153,281,000 |
| Noninterest-bearing deposits | 8,163,000 | 13,643,000 | 11,228,000 | 9,679,000 |
| Equity capital | 18,574,000 | 18,466,000 | 19,312,000 | 17,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,506,000 | 3,372,000 | 5,648,000 | 7,687,000 |
| Interest expense | 753,000 | 1,630,000 | 2,652,000 | 3,665,000 |
| Net interest income | 753,000 | 1,742,000 | 2,996,000 | 4,022,000 |
| Noninterest income | 9,000 | 27,000 | 44,000 | 64,000 |
| Noninterest expense | 902,000 | 1,870,000 | 2,942,000 | 4,081,000 |
| Provision for loan losses | 213,000 | 416,000 | 621,000 | 2,186,000 |
| Pretax income | -244,000 | -408,000 | -318,000 | -1,205,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -244,000 | -408,000 | -318,000 | -1,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,140,000 | 18,147,000 | 18,407,000 | 17,690,000 |
| Total capital | 19,243,000 | 19,454,000 | 19,919,000 | 19,440,000 |
| Risk-weighted assets | 108,570,000 | 129,143,000 | 134,009,000 | 137,979,000 |