Call reports 2013
VININGS BANK — 2013
What VININGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 228,545,000 | 224,365,000 | 230,589,000 | 227,167,000 |
| Total loans | 90,299,000 | 94,730,000 | 99,103,000 | 96,830,000 |
| Allowance for loan losses | 2,072,000 | 2,073,000 | 2,074,000 | 2,075,000 |
| Securities available for sale | 107,931,000 | 111,112,000 | 104,719,000 | 112,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,635,000 | 190,054,000 | 201,911,000 | 192,001,000 |
| Interest-bearing deposits | 167,083,000 | 154,263,000 | 168,317,000 | 160,573,000 |
| Noninterest-bearing deposits | 24,552,000 | 35,791,000 | 33,594,000 | 31,428,000 |
| Equity capital | 27,841,000 | 26,350,000 | 26,530,000 | 27,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,172,000 | 4,299,000 | 6,477,000 | 8,714,000 |
| Interest expense | 346,000 | 654,000 | 950,000 | 1,230,000 |
| Net interest income | 1,826,000 | 3,645,000 | 5,527,000 | 7,484,000 |
| Noninterest income | 240,000 | 520,000 | 1,052,000 | 1,729,000 |
| Noninterest expense | 1,257,000 | 2,511,000 | 3,807,000 | 5,102,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,252,000 | 2,122,000 | 3,259,000 | 4,598,000 |
| Income tax | 333,000 | 532,000 | 842,000 | 1,218,000 |
| Net income | 919,000 | 1,590,000 | 2,417,000 | 3,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,452,000 | 25,022,000 | 25,749,000 | 26,612,000 |
| Total capital | 26,253,000 | 26,840,000 | 27,630,000 | 28,476,000 |
| Risk-weighted assets | 143,793,000 | 145,190,000 | 150,275,000 | 148,884,000 |