Call reports 2015
VININGS BANK — 2015
What VININGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 279,945,000 | 261,038,000 | 261,267,000 | 263,353,000 |
| Total loans | 105,005,000 | 99,296,000 | 100,709,000 | 100,015,000 |
| Allowance for loan losses | 2,053,000 | 2,053,000 | 2,054,000 | 1,688,000 |
| Securities available for sale | 139,272,000 | 147,821,000 | 131,151,000 | 134,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,623,000 | 226,728,000 | 232,940,000 | 233,615,000 |
| Interest-bearing deposits | 176,948,000 | 177,031,000 | 182,068,000 | 181,391,000 |
| Noninterest-bearing deposits | 67,675,000 | 49,697,000 | 50,872,000 | 52,224,000 |
| Equity capital | 32,222,000 | 23,925,000 | 25,456,000 | 26,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,342,000 | 4,613,000 | 6,842,000 | 8,974,000 |
| Interest expense | 274,000 | 552,000 | 843,000 | 1,133,000 |
| Net interest income | 2,068,000 | 4,061,000 | 5,999,000 | 7,841,000 |
| Noninterest income | 16,000 | 90,000 | 153,000 | 305,000 |
| Noninterest expense | 1,510,000 | 2,785,000 | 4,076,000 | 5,469,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 991,000 | 1,788,000 | 2,727,000 | 3,354,000 |
| Income tax | 221,000 | 242,000 | 361,000 | 374,000 |
| Net income | 770,000 | 1,546,000 | 2,366,000 | 2,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,060,000 | 22,118,000 | 22,881,000 | 23,599,000 |
| Total capital | 31,113,000 | 24,171,000 | 24,930,000 | 25,287,000 |
| Risk-weighted assets | 172,218,000 | 164,536,000 | 163,881,000 | 167,124,000 |