Call reports 2019
VOLUNTEER FEDERAL SAVINGS BANK — 2019
What VOLUNTEER FEDERAL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 210,186,000 | 214,024,000 | 214,621,000 | 215,591,000 |
| Total loans | 129,024,000 | 129,504,000 | 132,458,000 | 133,038,000 |
| Allowance for loan losses | 620,000 | 626,000 | 633,000 | 644,000 |
| Securities available for sale | 8,388,000 | 8,501,000 | 8,207,000 | 8,215,000 |
| Securities held to maturity | 14,046,000 | 14,123,000 | 11,188,000 | 10,183,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,955,000 | 175,428,000 | 175,688,000 | 176,542,000 |
| Interest-bearing deposits | 138,248,000 | 141,030,000 | 139,384,000 | 142,188,000 |
| Noninterest-bearing deposits | 33,707,000 | 34,398,000 | 36,304,000 | 34,354,000 |
| Equity capital | 28,046,000 | 28,638,000 | 29,130,000 | 29,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,046,000 | 4,169,000 | 6,318,000 | 8,456,000 |
| Interest expense | 248,000 | 512,000 | 792,000 | 1,067,000 |
| Net interest income | 1,798,000 | 3,657,000 | 5,526,000 | 7,389,000 |
| Noninterest income | 343,000 | 743,000 | 1,120,000 | 1,502,000 |
| Noninterest expense | 1,602,000 | 3,193,000 | 4,809,000 | 6,461,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 527,000 | 1,183,000 | 1,815,000 | 2,396,000 |
| Income tax | 132,000 | 284,000 | 431,000 | 565,000 |
| Net income | 395,000 | 899,000 | 1,384,000 | 1,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,119,000 | 28,622,000 | 29,108,000 | 29,555,000 |
| Total capital | 28,739,000 | 29,248,000 | 29,741,000 | 30,199,000 |
| Risk-weighted assets | 105,984,000 | 107,972,000 | 108,116,000 | 107,739,000 |