Call reports 2007
VINTON COUNTY NATIONAL BANK — 2007
What VINTON COUNTY NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 286,735,000 | 281,468,000 | 316,673,000 | 314,257,000 |
| Total loans | 201,947,000 | 203,450,000 | 227,603,000 | 228,162,000 |
| Allowance for loan losses | 2,342,000 | 2,237,000 | 2,344,000 | 2,443,000 |
| Securities available for sale | 22,068,000 | 21,697,000 | 28,060,000 | 27,253,000 |
| Securities held to maturity | 33,599,000 | 34,094,000 | 32,408,000 | 32,835,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,874,000 | 252,656,000 | 283,955,000 | 281,120,000 |
| Interest-bearing deposits | 229,318,000 | 227,194,000 | 255,893,000 | 254,403,000 |
| Noninterest-bearing deposits | 28,556,000 | 25,462,000 | 28,062,000 | 26,717,000 |
| Equity capital | 27,573,000 | 27,629,000 | 31,399,000 | 32,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,551,000 | 9,277,000 | 14,305,000 | 19,566,000 |
| Interest expense | 2,243,000 | 4,547,000 | 6,993,000 | 9,490,000 |
| Net interest income | 2,308,000 | 4,730,000 | 7,312,000 | 10,076,000 |
| Noninterest income | 412,000 | 878,000 | 1,371,000 | 1,913,000 |
| Noninterest expense | 1,850,000 | 3,678,000 | 5,703,000 | 7,875,000 |
| Provision for loan losses | 75,000 | 250,000 | 480,000 | 680,000 |
| Pretax income | 795,000 | 1,680,000 | 2,500,000 | 3,434,000 |
| Income tax | 227,000 | 476,000 | 703,000 | 923,000 |
| Net income | 568,000 | 1,204,000 | 1,797,000 | 2,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,515,000 | 27,851,000 | 27,731,000 | 27,473,000 |
| Total capital | 29,807,000 | 30,088,000 | 30,075,000 | 29,916,000 |
| Risk-weighted assets | 183,338,000 | 184,329,000 | 201,860,000 | 199,554,000 |