Call reports 2012
VOLUNTEER FEDERAL SAVINGS BANK — 2012
What VOLUNTEER FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 179,261,000 | 180,709,000 | 178,089,000 | 174,614,000 |
| Total loans | 137,406,000 | 136,431,000 | 135,882,000 | 134,659,000 |
| Allowance for loan losses | 745,000 | 669,000 | 626,000 | 703,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,999,000 | 2,800,000 | 2,550,000 | 2,550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,719,000 | 131,050,000 | 129,208,000 | 126,221,000 |
| Interest-bearing deposits | 114,685,000 | 113,832,000 | 112,474,000 | 108,619,000 |
| Noninterest-bearing deposits | 15,034,000 | 17,218,000 | 16,734,000 | 17,602,000 |
| Equity capital | 21,528,000 | 21,853,000 | 22,041,000 | 22,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,124,000 | 4,160,000 | 6,172,000 | 8,165,000 |
| Interest expense | 516,000 | 1,017,000 | 1,508,000 | 1,963,000 |
| Net interest income | 1,608,000 | 3,143,000 | 4,664,000 | 6,202,000 |
| Noninterest income | 256,000 | 541,000 | 805,000 | 1,065,000 |
| Noninterest expense | 1,303,000 | 2,623,000 | 4,046,000 | 5,297,000 |
| Provision for loan losses | 100,000 | 100,000 | 170,000 | 333,000 |
| Pretax income | 461,000 | 961,000 | 1,253,000 | 1,637,000 |
| Income tax | 161,000 | 336,000 | 441,000 | 580,000 |
| Net income | 300,000 | 625,000 | 812,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,528,000 | 21,853,000 | 22,041,000 | 22,285,000 |
| Total capital | 22,299,000 | 22,546,000 | 22,691,000 | 22,999,000 |
| Risk-weighted assets | 112,527,000 | 110,763,000 | 102,241,000 | 102,286,000 |