Call reports 2015
VOLUNTEER FEDERAL SAVINGS BANK — 2015
What VOLUNTEER FEDERAL SAVINGS 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 | 171,955,000 | 172,428,000 | 173,860,000 | 173,969,000 |
| Total loans | 122,397,000 | 125,372,000 | 126,176,000 | 124,946,000 |
| Allowance for loan losses | 526,000 | 598,000 | 540,000 | 546,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,982,000 | 3,437,000 | 2,436,000 | 1,451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,099,000 | 134,615,000 | 136,127,000 | 136,364,000 |
| Interest-bearing deposits | 108,841,000 | 108,237,000 | 109,442,000 | 108,289,000 |
| Noninterest-bearing deposits | 25,258,000 | 26,378,000 | 26,685,000 | 28,075,000 |
| Equity capital | 24,229,000 | 24,449,000 | 24,614,000 | 24,743,000 |
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 | 1,751,000 | 3,504,000 | 5,184,000 | 6,808,000 |
| Interest expense | 261,000 | 511,000 | 764,000 | 1,018,000 |
| Net interest income | 1,490,000 | 2,993,000 | 4,420,000 | 5,790,000 |
| Noninterest income | 278,000 | 605,000 | 1,049,000 | 1,374,000 |
| Noninterest expense | 1,408,000 | 2,830,000 | 4,312,000 | 5,796,000 |
| Provision for loan losses | 15,000 | 83,000 | 218,000 | 233,000 |
| Pretax income | 345,000 | 685,000 | 939,000 | 1,135,000 |
| Income tax | 121,000 | 241,000 | 330,000 | 396,000 |
| Net income | 224,000 | 444,000 | 609,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,229,000 | 24,449,000 | 24,614,000 | 24,743,000 |
| Total capital | 24,755,000 | 25,047,000 | 25,154,000 | 25,289,000 |
| Risk-weighted assets | 98,418,000 | 99,228,000 | 99,731,000 | 96,826,000 |