Call reports 2018
VOLUNTEER FEDERAL SAVINGS BANK — 2018
What VOLUNTEER FEDERAL SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 199,806,000 | 202,069,000 | 204,298,000 | 206,194,000 |
| Total loans | 128,269,000 | 127,801,000 | 127,543,000 | 128,439,000 |
| Allowance for loan losses | 625,000 | 619,000 | 605,000 | 612,000 |
| Securities available for sale | 7,765,000 | 7,745,000 | 8,116,000 | 8,229,000 |
| Securities held to maturity | 12,150,000 | 13,754,000 | 13,370,000 | 13,797,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,483,000 | 163,716,000 | 165,948,000 | 167,554,000 |
| Interest-bearing deposits | 125,836,000 | 126,308,000 | 127,538,000 | 132,519,000 |
| Noninterest-bearing deposits | 35,647,000 | 37,408,000 | 38,410,000 | 35,035,000 |
| Equity capital | 26,422,000 | 26,822,000 | 27,085,000 | 27,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,862,000 | 3,761,000 | 5,701,000 | 7,754,000 |
| Interest expense | 244,000 | 474,000 | 700,000 | 933,000 |
| Net interest income | 1,618,000 | 3,287,000 | 5,001,000 | 6,821,000 |
| Noninterest income | 335,000 | 681,000 | 1,019,000 | 1,350,000 |
| Noninterest expense | 1,543,000 | 3,021,000 | 4,623,000 | 6,285,000 |
| Provision for loan losses | 2,000 | 10,000 | 20,000 | 33,000 |
| Pretax income | 408,000 | 937,000 | 1,377,000 | 1,853,000 |
| Income tax | 102,000 | 216,000 | 309,000 | 411,000 |
| Net income | 306,000 | 721,000 | 1,068,000 | 1,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,588,000 | 27,003,000 | 27,349,000 | 27,724,000 |
| Total capital | 27,213,000 | 27,622,000 | 27,954,000 | 28,336,000 |
| Risk-weighted assets | 105,664,000 | 104,215,000 | 104,800,000 | 104,293,000 |