Call reports 2017
VIDALIA FEDERAL SAVINGS BANK — 2017
What VIDALIA FEDERAL SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 231,407,000 | 229,130,000 | 226,183,000 | 221,543,000 |
| Total loans | 62,330,000 | 62,634,000 | 61,291,000 | 60,084,000 |
| Allowance for loan losses | 605,000 | 605,000 | 605,000 | 631,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 108,744,000 | 108,739,000 | 108,735,000 | 108,731,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,274,000 | 198,723,000 | 194,993,000 | 190,437,000 |
| Interest-bearing deposits | 190,510,000 | 188,428,000 | 185,044,000 | 180,679,000 |
| Noninterest-bearing deposits | 10,763,000 | 10,295,000 | 9,949,000 | 9,758,000 |
| Equity capital | 29,890,000 | 30,157,000 | 30,858,000 | 31,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,609,000 | 3,217,000 | 4,865,000 | 6,459,000 |
| Interest expense | 422,000 | 850,000 | 1,273,000 | 1,692,000 |
| Net interest income | 1,187,000 | 2,367,000 | 3,592,000 | 4,767,000 |
| Noninterest income | 167,000 | 320,000 | 911,000 | 1,045,000 |
| Noninterest expense | 1,021,000 | 1,989,000 | 2,990,000 | 3,976,000 |
| Provision for loan losses | 0 | 1,000 | 5,000 | 56,000 |
| Pretax income | 333,000 | 697,000 | 1,508,000 | 1,780,000 |
| Income tax | 101,000 | 198,000 | 308,000 | 391,000 |
| Net income | 232,000 | 499,000 | 1,200,000 | 1,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,890,000 | 30,157,000 | 30,858,000 | 31,048,000 |
| Total capital | 30,495,000 | 30,762,000 | 31,463,000 | 31,679,000 |
| Risk-weighted assets | 63,402,000 | 63,235,000 | 60,759,000 | 59,987,000 |