Call reports 2014
VIDALIA FEDERAL SAVINGS BANK — 2014
What VIDALIA FEDERAL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 227,767,000 | 229,079,000 | 228,362,000 | 226,954,000 |
| Total loans | 71,134,000 | 70,774,000 | 68,365,000 | 68,863,000 |
| Allowance for loan losses | 500,000 | 500,000 | 500,000 | 500,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 100,822,000 | 100,813,000 | 102,254,000 | 102,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,380,000 | 200,504,000 | 199,657,000 | 198,371,000 |
| Interest-bearing deposits | 193,273,000 | 194,456,000 | 193,364,000 | 192,026,000 |
| Noninterest-bearing deposits | 6,107,000 | 6,048,000 | 6,293,000 | 6,345,000 |
| Equity capital | 28,186,000 | 28,357,000 | 28,472,000 | 28,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,425,000 | 5,084,000 | 6,712,000 |
| Interest expense | 572,000 | 1,146,000 | 1,714,000 | 2,268,000 |
| Net interest income | 1,144,000 | 2,279,000 | 3,370,000 | 4,444,000 |
| Noninterest income | 87,000 | 176,000 | 270,000 | 361,000 |
| Noninterest expense | 962,000 | 1,927,000 | 2,928,000 | 3,970,000 |
| Provision for loan losses | 4,000 | 4,000 | 12,000 | 17,000 |
| Pretax income | 265,000 | 524,000 | 700,000 | 818,000 |
| Income tax | 90,000 | 178,000 | 239,000 | 278,000 |
| Net income | 175,000 | 346,000 | 461,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,186,000 | 28,357,000 | 28,472,000 | 28,550,000 |
| Total capital | 28,686,000 | 28,857,000 | 28,972,000 | 29,050,000 |
| Risk-weighted assets | 62,915,000 | 62,738,000 | 61,193,000 | 62,395,000 |