Call reports 2023
VIDALIA FEDERAL SAVINGS BANK — 2023
What VIDALIA FEDERAL SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 205,352,000 | 223,407,000 | 216,498,000 | 212,511,000 |
| Total loans | 77,973,000 | 80,961,000 | 84,557,000 | 86,366,000 |
| Allowance for loan losses | 882,000 | 882,000 | 862,000 | 862,000 |
| Securities available for sale | 4,345,000 | 4,130,000 | 3,878,000 | 4,021,000 |
| Securities held to maturity | 98,820,000 | 98,820,000 | 98,820,000 | 98,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,556,000 | 177,475,000 | 170,709,000 | 166,039,000 |
| Interest-bearing deposits | 157,108,000 | 154,612,000 | 152,764,000 | 150,392,000 |
| Noninterest-bearing deposits | 17,447,000 | 22,863,000 | 17,945,000 | 15,647,000 |
| Equity capital | 29,662,000 | 29,323,000 | 28,987,000 | 29,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,313,000 | 2,700,000 | 4,214,000 | 5,710,000 |
| Interest expense | 414,000 | 1,056,000 | 1,881,000 | 2,761,000 |
| Net interest income | 899,000 | 1,644,000 | 2,333,000 | 2,949,000 |
| Noninterest income | 191,000 | 384,000 | 565,000 | 738,000 |
| Noninterest expense | 1,188,000 | 2,379,000 | 3,572,000 | 4,762,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -98,000 | -351,000 | -674,000 | -1,075,000 |
| Income tax | 0 | 0 | 0 | -265,000 |
| Net income | -98,000 | -351,000 | -674,000 | -810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,536,000 | 30,313,000 | 30,119,000 | 29,677,000 |