Call reports 2020
VIDALIA FEDERAL SAVINGS BANK — 2020
What VIDALIA FEDERAL SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 199,753,000 | 203,905,000 | 202,711,000 | 205,940,000 |
| Total loans | 60,541,000 | 60,596,000 | 62,167,000 | 60,521,000 |
| Allowance for loan losses | 592,000 | 592,000 | 484,000 | 520,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 89,000,000 | 97,571,000 | 99,311,000 | 104,788,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,980,000 | 171,031,000 | 169,925,000 | 173,543,000 |
| Interest-bearing deposits | 156,502,000 | 158,443,000 | 158,789,000 | 161,535,000 |
| Noninterest-bearing deposits | 10,478,000 | 12,588,000 | 11,136,000 | 12,009,000 |
| Equity capital | 32,217,000 | 32,097,000 | 31,909,000 | 31,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,387,000 | 2,709,000 | 3,928,000 | 5,077,000 |
| Interest expense | 440,000 | 867,000 | 1,250,000 | 1,622,000 |
| Net interest income | 947,000 | 1,842,000 | 2,678,000 | 3,455,000 |
| Noninterest income | 141,000 | 258,000 | 405,000 | 549,000 |
| Noninterest expense | 1,115,000 | 2,252,000 | 3,385,000 | 4,528,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 50,000 |
| Pretax income | -27,000 | -152,000 | -327,000 | -574,000 |
| Income tax | 0 | 0 | 0 | -145,000 |
| Net income | -27,000 | -152,000 | -327,000 | -429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,217,000 | 32,097,000 | 31,909,000 | 31,807,000 |