Call reports 2010
VININGS BANK — 2010
What VININGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 192,488,000 | 210,724,000 | 204,995,000 | 196,755,000 |
| Total loans | 115,638,000 | 108,209,000 | 100,766,000 | 96,185,000 |
| Allowance for loan losses | 3,819,000 | 3,911,000 | 4,283,000 | 3,219,000 |
| Securities available for sale | 65,471,000 | 70,105,000 | 87,196,000 | 83,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,005,000 | 179,829,000 | 173,093,000 | 167,803,000 |
| Interest-bearing deposits | 152,708,000 | 167,918,000 | 160,963,000 | 157,354,000 |
| Noninterest-bearing deposits | 10,297,000 | 11,911,000 | 12,130,000 | 10,449,000 |
| Equity capital | 16,753,000 | 17,936,000 | 18,724,000 | 15,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,263,000 | 4,564,000 | 6,830,000 | 9,056,000 |
| Interest expense | 676,000 | 1,363,000 | 1,979,000 | 2,576,000 |
| Net interest income | 1,587,000 | 3,201,000 | 4,851,000 | 6,480,000 |
| Noninterest income | 26,000 | 78,000 | 117,000 | 202,000 |
| Noninterest expense | 1,192,000 | 2,141,000 | 3,134,000 | 4,326,000 |
| Provision for loan losses | 1,790,000 | 2,262,000 | 2,634,000 | 4,420,000 |
| Pretax income | -1,331,000 | -878,000 | -554,000 | -1,528,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,331,000 | -878,000 | -554,000 | -1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,529,000 | 17,153,000 | 17,516,000 | 16,550,000 |
| Total capital | 18,276,000 | 18,897,000 | 19,250,000 | 18,308,000 |
| Risk-weighted assets | 136,897,000 | 136,616,000 | 135,403,000 | 138,408,000 |