Call reports 2013
VIDALIA FEDERAL SAVINGS BANK — 2013
What VIDALIA FEDERAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 228,963,000 | 227,515,000 | 225,777,000 | 224,316,000 |
| Total loans | 78,901,000 | 75,654,000 | 73,928,000 | 72,144,000 |
| Allowance for loan losses | 500,000 | 500,000 | 500,000 | 500,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 95,861,000 | 95,849,000 | 105,838,000 | 100,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,450,000 | 199,755,000 | 197,635,000 | 196,280,000 |
| Interest-bearing deposits | 195,706,000 | 193,835,000 | 192,607,000 | 191,379,000 |
| Noninterest-bearing deposits | 5,744,000 | 5,920,000 | 5,028,000 | 4,901,000 |
| Equity capital | 27,371,000 | 27,558,000 | 27,800,000 | 28,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,817,000 | 3,600,000 | 5,387,000 | 7,292,000 |
| Interest expense | 606,000 | 1,214,000 | 1,812,000 | 2,406,000 |
| Net interest income | 1,211,000 | 2,386,000 | 3,575,000 | 4,886,000 |
| Noninterest income | 96,000 | 183,000 | 274,000 | 372,000 |
| Noninterest expense | 1,004,000 | 1,954,000 | 2,866,000 | 3,946,000 |
| Provision for loan losses | 12,000 | 41,000 | 41,000 | 50,000 |
| Pretax income | 291,000 | 574,000 | 942,000 | 1,262,000 |
| Income tax | 99,000 | 195,000 | 320,000 | 429,000 |
| Net income | 192,000 | 379,000 | 622,000 | 833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,371,000 | 27,558,000 | 27,800,000 | 28,011,000 |
| Total capital | 27,871,000 | 28,058,000 | 28,300,000 | 28,511,000 |
| Risk-weighted assets | 68,255,000 | 64,959,000 | 65,902,000 | 63,737,000 |