Call reports 2003
VINTON COUNTY NATIONAL BANK — 2003
What VINTON COUNTY NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 258,347,000 | 256,985,000 | 256,247,000 | 253,406,000 |
| Total loans | 177,777,000 | 177,725,000 | 181,013,000 | 180,106,000 |
| Allowance for loan losses | 2,193,000 | 2,207,000 | 2,245,000 | 2,238,000 |
| Securities available for sale | 17,791,000 | 16,535,000 | 14,828,000 | 12,401,000 |
| Securities held to maturity | 38,595,000 | 40,146,000 | 41,541,000 | 41,627,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,084,000 | 229,466,000 | 228,969,000 | 225,620,000 |
| Interest-bearing deposits | 212,031,000 | 209,253,000 | 208,124,000 | 205,380,000 |
| Noninterest-bearing deposits | 20,053,000 | 20,213,000 | 20,845,000 | 20,240,000 |
| Equity capital | 23,968,000 | 24,497,000 | 24,686,000 | 25,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,137,000 | 8,189,000 | 12,110,000 | 15,905,000 |
| Interest expense | 1,619,000 | 3,134,000 | 4,583,000 | 5,872,000 |
| Net interest income | 2,518,000 | 5,055,000 | 7,527,000 | 10,033,000 |
| Noninterest income | 240,000 | 506,000 | 799,000 | 1,076,000 |
| Noninterest expense | 1,650,000 | 3,327,000 | 4,987,000 | 6,588,000 |
| Provision for loan losses | 336,000 | 521,000 | 786,000 | 1,311,000 |
| Pretax income | 772,000 | 1,713,000 | 2,553,000 | 3,209,000 |
| Income tax | 223,000 | 517,000 | 753,000 | 943,000 |
| Net income | 549,000 | 1,196,000 | 1,800,000 | 2,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,885,000 | 24,418,000 | 24,708,000 | 25,061,000 |
| Total capital | 26,036,000 | 26,574,000 | 26,882,000 | 27,202,000 |
| Risk-weighted assets | 172,052,000 | 172,405,000 | 173,769,000 | 171,165,000 |