Call reports 2016
VIDALIA FEDERAL SAVINGS BANK — 2016
What VIDALIA FEDERAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 228,375,000 | 227,757,000 | 227,041,000 | 225,921,000 |
| Total loans | 64,363,000 | 63,613,000 | 63,156,000 | 62,347,000 |
| Allowance for loan losses | 555,000 | 555,000 | 555,000 | 605,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 101,471,000 | 107,037,000 | 108,033,000 | 108,748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,000,000 | 198,184,000 | 197,225,000 | 196,215,000 |
| Interest-bearing deposits | 191,173,000 | 190,722,000 | 188,939,000 | 186,840,000 |
| Noninterest-bearing deposits | 7,827,000 | 7,462,000 | 8,286,000 | 9,375,000 |
| Equity capital | 29,167,000 | 29,349,000 | 29,508,000 | 29,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,590,000 | 3,167,000 | 4,726,000 | 6,320,000 |
| Interest expense | 460,000 | 909,000 | 1,356,000 | 1,794,000 |
| Net interest income | 1,130,000 | 2,258,000 | 3,370,000 | 4,526,000 |
| Noninterest income | 134,000 | 280,000 | 420,000 | 572,000 |
| Noninterest expense | 1,003,000 | 2,018,000 | 3,045,000 | 4,042,000 |
| Provision for loan losses | 5,000 | 16,000 | 22,000 | 125,000 |
| Pretax income | 256,000 | 504,000 | 723,000 | 931,000 |
| Income tax | 74,000 | 140,000 | 201,000 | 258,000 |
| Net income | 182,000 | 364,000 | 522,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,167,000 | 29,349,000 | 29,508,000 | 29,658,000 |
| Total capital | 29,722,000 | 29,904,000 | 30,063,000 | 30,263,000 |
| Risk-weighted assets | 63,270,000 | 64,208,000 | 63,858,000 | 63,442,000 |