Call reports 2002
VINTON COUNTY NATIONAL BANK — 2002
What VINTON COUNTY NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 236,575,000 | 241,664,000 | 251,001,000 | 252,696,000 |
| Total loans | 169,182,000 | 171,532,000 | 175,073,000 | 177,069,000 |
| Allowance for loan losses | 2,048,000 | 2,064,000 | 2,168,000 | 2,196,000 |
| Securities available for sale | 9,835,000 | 9,997,000 | 14,633,000 | 15,137,000 |
| Securities held to maturity | 32,227,000 | 34,512,000 | 34,780,000 | 36,477,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,880,000 | 215,932,000 | 225,111,000 | 226,384,000 |
| Interest-bearing deposits | 193,574,000 | 197,563,000 | 205,996,000 | 207,447,000 |
| Noninterest-bearing deposits | 17,307,000 | 18,369,000 | 19,115,000 | 18,937,000 |
| Equity capital | 22,044,000 | 22,785,000 | 23,078,000 | 23,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,475,000 | 8,919,000 | 13,382,000 | 17,707,000 |
| Interest expense | 1,995,000 | 3,843,000 | 5,677,000 | 7,462,000 |
| Net interest income | 2,480,000 | 5,076,000 | 7,705,000 | 10,245,000 |
| Noninterest income | 311,000 | 580,000 | 840,000 | 1,107,000 |
| Noninterest expense | 1,571,000 | 3,186,000 | 4,869,000 | 6,404,000 |
| Provision for loan losses | 200,000 | 370,000 | 635,000 | 969,000 |
| Pretax income | 1,020,000 | 2,100,000 | 3,041,000 | 3,979,000 |
| Income tax | 316,000 | 645,000 | 925,000 | 1,202,000 |
| Net income | 704,000 | 1,455,000 | 2,116,000 | 2,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,972,000 | 22,624,000 | 22,886,000 | 23,448,000 |
| Total capital | 23,956,000 | 24,646,000 | 24,972,000 | 25,563,000 |
| Risk-weighted assets | 158,645,000 | 161,694,000 | 166,774,000 | 169,112,000 |