Call reports 2018
VIDALIA FEDERAL SAVINGS BANK — 2018
What VIDALIA FEDERAL SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 222,463,000 | 219,911,000 | 216,595,000 | 210,126,000 |
| Total loans | 59,883,000 | 60,336,000 | 61,863,000 | 60,371,000 |
| Allowance for loan losses | 631,000 | 631,000 | 610,000 | 660,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 111,729,000 | 111,725,000 | 111,723,000 | 111,721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,931,000 | 188,114,000 | 184,416,000 | 178,110,000 |
| Interest-bearing deposits | 181,144,000 | 177,700,000 | 173,445,000 | 168,680,000 |
| Noninterest-bearing deposits | 9,787,000 | 10,414,000 | 10,971,000 | 9,431,000 |
| Equity capital | 31,285,000 | 31,532,000 | 31,800,000 | 31,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,609,000 | 3,257,000 | 4,910,000 | 6,589,000 |
| Interest expense | 401,000 | 807,000 | 1,219,000 | 1,638,000 |
| Net interest income | 1,208,000 | 2,450,000 | 3,691,000 | 4,951,000 |
| Noninterest income | 132,000 | 278,000 | 412,000 | 539,000 |
| Noninterest expense | 1,034,000 | 2,107,000 | 3,144,000 | 4,348,000 |
| Provision for loan losses | 0 | 11,000 | 11,000 | 54,000 |
| Pretax income | 306,000 | 610,000 | 948,000 | 1,088,000 |
| Income tax | 58,000 | 115,000 | 185,000 | 209,000 |
| Net income | 248,000 | 495,000 | 763,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,285,000 | 31,532,000 | 31,800,000 | 31,916,000 |
| Total capital | 31,916,000 | 32,163,000 | 32,410,000 | 32,576,000 |
| Risk-weighted assets | 60,847,000 | 60,895,000 | 61,736,000 | 60,938,000 |