Call reports 2022
VOLUNTEER FEDERAL SAVINGS BANK — 2022
What VOLUNTEER FEDERAL SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 307,604,000 | 317,157,000 | 320,140,000 | 322,477,000 |
| Total loans | 155,512,000 | 160,025,000 | 167,024,000 | 170,984,000 |
| Allowance for loan losses | 820,000 | 836,000 | 840,000 | 844,000 |
| Securities available for sale | 59,773,000 | 60,605,000 | 60,541,000 | 65,617,000 |
| Securities held to maturity | 7,053,000 | 14,120,000 | 20,878,000 | 22,919,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,753,000 | 283,777,000 | 287,872,000 | 288,516,000 |
| Interest-bearing deposits | 219,772,000 | 228,803,000 | 230,813,000 | 231,025,000 |
| Noninterest-bearing deposits | 52,981,000 | 54,974,000 | 57,059,000 | 57,491,000 |
| Equity capital | 29,756,000 | 28,208,000 | 27,112,000 | 29,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,046,000 | 4,273,000 | 6,724,000 | 9,368,000 |
| Interest expense | 119,000 | 241,000 | 359,000 | 518,000 |
| Net interest income | 1,927,000 | 4,032,000 | 6,365,000 | 8,850,000 |
| Noninterest income | 407,000 | 842,000 | 1,258,000 | 1,853,000 |
| Noninterest expense | 1,727,000 | 3,578,000 | 5,577,000 | 7,573,000 |
| Provision for loan losses | 25,000 | 40,000 | 45,000 | 50,000 |
| Pretax income | 582,000 | 1,256,000 | 2,001,000 | 3,080,000 |
| Income tax | 152,000 | 164,000 | 188,000 | 292,000 |
| Net income | 430,000 | 1,092,000 | 1,813,000 | 2,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,237,000 | 33,899,000 | 34,618,000 | 35,594,000 |
| Total capital | 34,057,000 | 34,735,000 | 35,458,000 | 36,438,000 |
| Risk-weighted assets | 156,672,000 | 159,178,000 | 163,023,000 | 153,047,000 |