Call reports 2009
VINTON COUNTY NATIONAL BANK — 2009
What VINTON COUNTY NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 696,261,000 | 694,301,000 | 707,633,000 | 698,359,000 |
| Total loans | 491,209,000 | 493,515,000 | 496,220,000 | 490,029,000 |
| Allowance for loan losses | 5,108,000 | 5,216,000 | 5,383,000 | 5,738,000 |
| Securities available for sale | 69,430,000 | 65,034,000 | 67,992,000 | 64,664,000 |
| Securities held to maturity | 71,974,000 | 84,425,000 | 95,667,000 | 96,434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 618,572,000 | 615,067,000 | 627,495,000 | 617,593,000 |
| Interest-bearing deposits | 567,992,000 | 564,955,000 | 575,094,000 | 561,953,000 |
| Noninterest-bearing deposits | 50,580,000 | 50,112,000 | 52,401,000 | 55,640,000 |
| Equity capital | 68,997,000 | 69,630,000 | 71,019,000 | 72,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,780,000 | 19,635,000 | 29,320,000 | 38,868,000 |
| Interest expense | 3,853,000 | 7,294,000 | 10,385,000 | 13,139,000 |
| Net interest income | 5,927,000 | 12,341,000 | 18,935,000 | 25,729,000 |
| Noninterest income | 872,000 | 1,654,000 | 2,641,000 | 3,564,000 |
| Noninterest expense | 4,634,000 | 9,544,000 | 14,296,000 | 19,122,000 |
| Provision for loan losses | 425,000 | 1,150,000 | 1,992,000 | 3,132,000 |
| Pretax income | 1,740,000 | 3,301,000 | 5,288,000 | 7,039,000 |
| Income tax | 442,000 | 853,000 | 1,332,000 | 1,756,000 |
| Net income | 1,298,000 | 2,448,000 | 3,956,000 | 5,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,318,000 | 63,015,000 | 63,962,000 | 64,946,000 |
| Total capital | 67,426,000 | 68,231,000 | 69,345,000 | 70,684,000 |
| Risk-weighted assets | 490,518,000 | 498,981,000 | 502,234,000 | 497,497,000 |