Call reports 2015
VIDALIA FEDERAL SAVINGS BANK — 2015
What VIDALIA FEDERAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 229,833,000 | 229,823,000 | 227,687,000 | 224,683,000 |
| Total loans | 67,137,000 | 65,931,000 | 65,222,000 | 64,305,000 |
| Allowance for loan losses | 500,000 | 555,000 | 555,000 | 555,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 102,239,000 | 102,232,000 | 101,774,000 | 102,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,945,000 | 200,837,000 | 198,478,000 | 195,681,000 |
| Interest-bearing deposits | 193,619,000 | 193,182,000 | 191,075,000 | 187,879,000 |
| Noninterest-bearing deposits | 7,326,000 | 7,655,000 | 7,403,000 | 7,802,000 |
| Equity capital | 28,677,000 | 28,741,000 | 28,848,000 | 28,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,630,000 | 3,230,000 | 4,793,000 | 6,391,000 |
| Interest expense | 534,000 | 1,063,000 | 1,580,000 | 2,082,000 |
| Net interest income | 1,096,000 | 2,167,000 | 3,213,000 | 4,309,000 |
| Noninterest income | 86,000 | 180,000 | 278,000 | 374,000 |
| Noninterest expense | 990,000 | 1,990,000 | 2,985,000 | 3,975,000 |
| Provision for loan losses | 1,000 | 56,000 | 56,000 | 56,000 |
| Pretax income | 191,000 | 301,000 | 450,000 | 652,000 |
| Income tax | 65,000 | 111,000 | 153,000 | 217,000 |
| Net income | 126,000 | 190,000 | 297,000 | 435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,677,000 | 28,741,000 | 28,848,000 | 28,986,000 |
| Total capital | 29,177,000 | 29,296,000 | 29,403,000 | 29,541,000 |
| Risk-weighted assets | 63,005,000 | 59,369,000 | 58,996,000 | 64,587,000 |