Call reports 2016
VININGS BANK — 2016
What VININGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 272,595,000 | 284,790,000 | 284,789,000 | 270,668,000 |
| Total loans | 99,635,000 | 103,905,000 | 99,757,000 | 100,238,000 |
| Allowance for loan losses | 1,428,000 | 1,429,000 | 1,430,000 | 1,366,000 |
| Securities available for sale | 142,904,000 | 147,858,000 | 149,492,000 | 136,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,389,000 | 235,281,000 | 236,501,000 | 234,802,000 |
| Interest-bearing deposits | 181,849,000 | 178,857,000 | 176,639,000 | 174,082,000 |
| Noninterest-bearing deposits | 52,540,000 | 56,424,000 | 59,862,000 | 60,720,000 |
| Equity capital | 27,497,000 | 30,318,000 | 29,558,000 | 23,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,368,000 | 4,768,000 | 7,136,000 | 9,544,000 |
| Interest expense | 270,000 | 527,000 | 780,000 | 1,041,000 |
| Net interest income | 2,098,000 | 4,241,000 | 6,356,000 | 8,503,000 |
| Noninterest income | 77,000 | 216,000 | 339,000 | 459,000 |
| Noninterest expense | 1,510,000 | 3,089,000 | 4,650,000 | 6,317,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 869,000 | 1,971,000 | 3,081,000 | 3,692,000 |
| Income tax | 75,000 | 209,000 | 304,000 | 183,000 |
| Net income | 794,000 | 1,762,000 | 2,777,000 | 3,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,109,000 | 24,621,000 | 25,298,000 | 25,191,000 |
| Total capital | 25,537,000 | 26,050,000 | 26,728,000 | 26,557,000 |
| Risk-weighted assets | 172,970,000 | 175,034,000 | 172,660,000 | 177,978,000 |