Call reports 2012
VIGILANT FEDERAL SAVINGS BANK — 2012
What VIGILANT FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 57,310,000 | 56,963,000 | 50,874,000 | 48,692,000 |
| Total loans | 31,653,000 | 30,733,000 | 30,447,000 | 28,561,000 |
| Allowance for loan losses | 370,000 | 363,000 | 481,000 | 410,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,198,000 | 7,582,000 | 7,174,000 | 6,423,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,873,000 | 44,544,000 | 43,460,000 | 41,198,000 |
| Interest-bearing deposits | 43,269,000 | 42,373,000 | 41,903,000 | 39,551,000 |
| Noninterest-bearing deposits | 1,604,000 | 2,171,000 | 1,557,000 | 1,647,000 |
| Equity capital | 3,912,000 | 3,909,000 | 3,864,000 | 3,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 684,000 | 1,305,000 | 1,916,000 | 2,507,000 |
| Interest expense | 196,000 | 384,000 | 515,000 | 628,000 |
| Net interest income | 488,000 | 921,000 | 1,401,000 | 1,879,000 |
| Noninterest income | 24,000 | 71,000 | 95,000 | 115,000 |
| Noninterest expense | 356,000 | 852,000 | 1,286,000 | 1,665,000 |
| Provision for loan losses | 20,000 | 14,000 | 171,000 | 163,000 |
| Pretax income | 136,000 | 126,000 | 39,000 | 166,000 |
| Income tax | 44,000 | 38,000 | -5,000 | 36,000 |
| Net income | 92,000 | 88,000 | 44,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,912,000 | 3,909,000 | 3,864,000 | 3,950,000 |
| Total capital | 4,185,000 | 4,193,000 | 4,131,000 | 4,199,000 |
| Risk-weighted assets | 21,736,000 | 22,702,000 | 21,258,000 | 19,758,000 |