Call reports 2006
VINTON COUNTY NATIONAL BANK — 2006
What VINTON COUNTY NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 278,168,000 | 276,193,000 | 277,464,000 | 278,147,000 |
| Total loans | 202,055,000 | 199,568,000 | 202,062,000 | 201,244,000 |
| Allowance for loan losses | 2,439,000 | 2,261,000 | 2,334,000 | 2,325,000 |
| Securities available for sale | 13,617,000 | 14,955,000 | 15,894,000 | 18,672,000 |
| Securities held to maturity | 35,630,000 | 38,026,000 | 37,707,000 | 34,344,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,923,000 | 246,854,000 | 247,486,000 | 249,636,000 |
| Interest-bearing deposits | 225,432,000 | 223,497,000 | 226,412,000 | 225,708,000 |
| Noninterest-bearing deposits | 22,491,000 | 23,357,000 | 21,074,000 | 23,928,000 |
| Equity capital | 28,269,000 | 28,530,000 | 28,919,000 | 27,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,129,000 | 8,457,000 | 12,912,000 | 17,458,000 |
| Interest expense | 1,735,000 | 3,718,000 | 5,824,000 | 8,012,000 |
| Net interest income | 2,394,000 | 4,739,000 | 7,088,000 | 9,446,000 |
| Noninterest income | 369,000 | 814,000 | 1,249,000 | 1,690,000 |
| Noninterest expense | 1,810,000 | 3,612,000 | 5,423,000 | 7,225,000 |
| Provision for loan losses | 60,000 | 175,000 | 368,000 | 545,000 |
| Pretax income | 893,000 | 1,766,000 | 2,546,000 | 3,366,000 |
| Income tax | 258,000 | 534,000 | 743,000 | 984,000 |
| Net income | 635,000 | 1,232,000 | 1,803,000 | 2,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,400,000 | 28,697,000 | 28,968,000 | 27,247,000 |
| Total capital | 30,682,000 | 30,958,000 | 31,246,000 | 29,520,000 |
| Risk-weighted assets | 182,415,000 | 183,737,000 | 182,207,000 | 181,793,000 |