Call reports 2008
VINTON COUNTY NATIONAL BANK — 2008
What VINTON COUNTY NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 328,486,000 | 342,887,000 | 335,848,000 | 343,126,000 |
| Total loans | 228,848,000 | 241,439,000 | 241,798,000 | 243,304,000 |
| Allowance for loan losses | 2,468,000 | 2,591,000 | 2,645,000 | 2,650,000 |
| Securities available for sale | 35,016,000 | 36,392,000 | 36,123,000 | 36,223,000 |
| Securities held to maturity | 29,689,000 | 35,349,000 | 35,007,000 | 36,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,277,000 | 309,033,000 | 301,211,000 | 306,700,000 |
| Interest-bearing deposits | 267,827,000 | 275,334,000 | 269,696,000 | 275,886,000 |
| Noninterest-bearing deposits | 26,450,000 | 33,699,000 | 31,515,000 | 30,814,000 |
| Equity capital | 32,806,000 | 32,699,000 | 33,539,000 | 34,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,106,000 | 10,421,000 | 15,704,000 | 20,882,000 |
| Interest expense | 2,421,000 | 4,752,000 | 6,867,000 | 8,911,000 |
| Net interest income | 2,685,000 | 5,669,000 | 8,837,000 | 11,971,000 |
| Noninterest income | 563,000 | 1,146,000 | 1,728,000 | 2,249,000 |
| Noninterest expense | 2,194,000 | 4,507,000 | 6,952,000 | 9,542,000 |
| Provision for loan losses | 195,000 | 420,000 | 640,000 | 860,000 |
| Pretax income | 859,000 | 1,888,000 | 2,973,000 | 3,818,000 |
| Income tax | 217,000 | 488,000 | 764,000 | 961,000 |
| Net income | 642,000 | 1,400,000 | 2,209,000 | 2,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,029,000 | 27,392,000 | 28,078,000 | 28,495,000 |
| Total capital | 30,497,000 | 29,983,000 | 30,723,000 | 31,145,000 |
| Risk-weighted assets | 202,666,000 | 216,299,000 | 213,001,000 | 213,823,000 |