Call reports 2005
VINTON COUNTY NATIONAL BANK — 2005
What VINTON COUNTY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 261,469,000 | 258,461,000 | 264,265,000 | 267,374,000 |
| Total loans | 185,576,000 | 191,220,000 | 197,768,000 | 201,358,000 |
| Allowance for loan losses | 2,295,000 | 2,309,000 | 2,379,000 | 2,429,000 |
| Securities available for sale | 14,795,000 | 13,947,000 | 12,192,000 | 13,171,000 |
| Securities held to maturity | 39,444,000 | 38,093,000 | 35,358,000 | 34,958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,935,000 | 229,424,000 | 234,697,000 | 237,441,000 |
| Interest-bearing deposits | 211,230,000 | 209,775,000 | 213,215,000 | 217,173,000 |
| Noninterest-bearing deposits | 21,705,000 | 19,649,000 | 21,482,000 | 20,268,000 |
| Equity capital | 26,839,000 | 27,329,000 | 27,487,000 | 27,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,640,000 | 7,414,000 | 11,326,000 | 15,392,000 |
| Interest expense | 1,212,000 | 2,543,000 | 4,021,000 | 5,640,000 |
| Net interest income | 2,428,000 | 4,871,000 | 7,305,000 | 9,752,000 |
| Noninterest income | 271,000 | 570,000 | 853,000 | 1,182,000 |
| Noninterest expense | 1,780,000 | 3,504,000 | 5,221,000 | 6,913,000 |
| Provision for loan losses | 140,000 | 314,000 | 479,000 | 636,000 |
| Pretax income | 779,000 | 1,622,000 | 2,457,000 | 3,386,000 |
| Income tax | 229,000 | 473,000 | 718,000 | 997,000 |
| Net income | 550,000 | 1,149,000 | 1,739,000 | 2,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,026,000 | 27,425,000 | 27,616,000 | 28,065,000 |
| Total capital | 29,200,000 | 29,625,000 | 29,858,000 | 30,310,000 |
| Risk-weighted assets | 173,792,000 | 175,900,000 | 179,240,000 | 179,394,000 |