Call reports 2013
VOLUNTEER FEDERAL SAVINGS BANK — 2013
What VOLUNTEER FEDERAL SAVINGS 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 | 177,118,000 | 176,089,000 | 174,419,000 | 174,960,000 |
| Total loans | 131,724,000 | 129,599,000 | 128,037,000 | 129,482,000 |
| Allowance for loan losses | 715,000 | 673,000 | 668,000 | 660,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 2,000,000 | 2,977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,159,000 | 128,441,000 | 126,994,000 | 127,716,000 |
| Interest-bearing deposits | 108,654,000 | 109,187,000 | 109,726,000 | 109,225,000 |
| Noninterest-bearing deposits | 20,505,000 | 19,254,000 | 17,268,000 | 18,491,000 |
| Equity capital | 22,583,000 | 22,826,000 | 23,011,000 | 23,137,000 |
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 | 1,964,000 | 3,842,000 | 5,702,000 | 7,649,000 |
| Interest expense | 413,000 | 818,000 | 1,201,000 | 1,571,000 |
| Net interest income | 1,551,000 | 3,024,000 | 4,501,000 | 6,078,000 |
| Noninterest income | 278,000 | 550,000 | 757,000 | 851,000 |
| Noninterest expense | 1,322,000 | 2,649,000 | 4,047,000 | 5,534,000 |
| Provision for loan losses | 50,000 | 95,000 | 95,000 | 95,000 |
| Pretax income | 457,000 | 830,000 | 1,116,000 | 1,300,000 |
| Income tax | 160,000 | 290,000 | 390,000 | 448,000 |
| Net income | 297,000 | 540,000 | 726,000 | 852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,583,000 | 22,826,000 | 23,011,000 | 23,137,000 |
| Total capital | 23,311,000 | 23,504,000 | 23,679,000 | 23,797,000 |
| Risk-weighted assets | 99,763,000 | 102,306,000 | 105,802,000 | 105,443,000 |