Call reports 2004
VINTON COUNTY NATIONAL BANK — 2004
What VINTON COUNTY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 259,425,000 | 258,305,000 | 260,307,000 | 258,946,000 |
| Total loans | 179,090,000 | 180,497,000 | 184,730,000 | 186,322,000 |
| Allowance for loan losses | 2,280,000 | 2,267,000 | 2,295,000 | 2,307,000 |
| Securities available for sale | 16,204,000 | 15,172,000 | 16,038,000 | 15,437,000 |
| Securities held to maturity | 39,594,000 | 42,620,000 | 39,337,000 | 41,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,073,000 | 230,455,000 | 231,801,000 | 230,445,000 |
| Interest-bearing deposits | 211,804,000 | 209,726,000 | 210,315,000 | 208,955,000 |
| Noninterest-bearing deposits | 20,269,000 | 20,729,000 | 21,486,000 | 21,490,000 |
| Equity capital | 25,509,000 | 25,747,000 | 26,329,000 | 26,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,649,000 | 7,240,000 | 10,893,000 | 14,595,000 |
| Interest expense | 1,184,000 | 2,362,000 | 3,548,000 | 4,759,000 |
| Net interest income | 2,465,000 | 4,878,000 | 7,345,000 | 9,836,000 |
| Noninterest income | 252,000 | 540,000 | 848,000 | 1,133,000 |
| Noninterest expense | 1,714,000 | 3,424,000 | 5,130,000 | 6,841,000 |
| Provision for loan losses | 140,000 | 350,000 | 536,000 | 835,000 |
| Pretax income | 863,000 | 1,644,000 | 2,527,000 | 3,293,000 |
| Income tax | 257,000 | 488,000 | 756,000 | 978,000 |
| Net income | 606,000 | 1,156,000 | 1,771,000 | 2,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,517,000 | 25,917,000 | 26,382,000 | 26,676,000 |
| Total capital | 27,669,000 | 28,089,000 | 28,591,000 | 28,865,000 |
| Risk-weighted assets | 171,994,000 | 173,650,000 | 176,625,000 | 174,943,000 |