Call reports 2019
VIDALIA FEDERAL SAVINGS BANK — 2019
What VIDALIA FEDERAL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 207,345,000 | 203,300,000 | 201,567,000 | 198,988,000 |
| Total loans | 61,116,000 | 62,006,000 | 62,463,000 | 61,244,000 |
| Allowance for loan losses | 660,000 | 660,000 | 655,000 | 593,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 111,720,000 | 111,720,000 | 101,707,000 | 94,885,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,012,000 | 170,338,000 | 168,562,000 | 165,968,000 |
| Interest-bearing deposits | 164,431,000 | 159,849,000 | 157,033,000 | 155,518,000 |
| Noninterest-bearing deposits | 10,581,000 | 10,489,000 | 11,529,000 | 10,450,000 |
| Equity capital | 32,097,000 | 32,245,000 | 32,283,000 | 32,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,610,000 | 3,216,000 | 4,756,000 | 6,283,000 |
| Interest expense | 415,000 | 839,000 | 1,299,000 | 1,747,000 |
| Net interest income | 1,195,000 | 2,377,000 | 3,457,000 | 4,536,000 |
| Noninterest income | 153,000 | 310,000 | 463,000 | 586,000 |
| Noninterest expense | 1,149,000 | 2,307,000 | 3,500,000 | 4,731,000 |
| Provision for loan losses | 2,000 | 9,000 | 9,000 | 4,000 |
| Pretax income | 199,000 | 371,000 | 411,000 | 387,000 |
| Income tax | 47,000 | 71,000 | 73,000 | 57,000 |
| Net income | 152,000 | 300,000 | 338,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,097,000 | 32,245,000 | 32,283,000 | 32,244,000 |
| Total capital | 32,757,000 | 32,905,000 | 32,938,000 | 32,837,000 |
| Risk-weighted assets | 61,956,000 | 62,352,000 | 60,059,000 | 58,237,000 |