Call reports 2012
VIDALIA FEDERAL SAVINGS BANK — 2012
What VIDALIA 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 | 226,883,000 | 227,793,000 | 233,750,000 | 229,989,000 |
| Total loans | 86,927,000 | 84,643,000 | 83,429,000 | 81,026,000 |
| Allowance for loan losses | 470,000 | 500,000 | 500,000 | 500,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 91,068,000 | 85,051,000 | 77,035,000 | 77,881,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,039,000 | 200,742,000 | 206,353,000 | 202,790,000 |
| Interest-bearing deposits | 195,526,000 | 195,619,000 | 200,958,000 | 196,931,000 |
| Noninterest-bearing deposits | 4,514,000 | 5,124,000 | 5,396,000 | 5,859,000 |
| Equity capital | 26,571,000 | 26,865,000 | 27,141,000 | 27,178,000 |
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 | 2,120,000 | 4,231,000 | 6,223,000 | 8,069,000 |
| Interest expense | 785,000 | 1,536,000 | 2,256,000 | 2,930,000 |
| Net interest income | 1,335,000 | 2,695,000 | 3,967,000 | 5,139,000 |
| Noninterest income | 95,000 | 188,000 | 298,000 | 395,000 |
| Noninterest expense | 882,000 | 1,844,000 | 2,768,000 | 3,857,000 |
| Provision for loan losses | 65,000 | 111,000 | 153,000 | 276,000 |
| Pretax income | 483,000 | 928,000 | 1,344,000 | 1,401,000 |
| Income tax | 164,000 | 315,000 | 457,000 | 476,000 |
| Net income | 319,000 | 613,000 | 887,000 | 925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,571,000 | 26,865,000 | 27,141,000 | 27,178,000 |
| Total capital | 27,041,000 | 27,365,000 | 27,641,000 | 27,678,000 |
| Risk-weighted assets | 72,218,000 | 69,629,000 | 66,326,000 | 66,307,000 |