Call reports 2014
VINTON COUNTY NATIONAL BANK — 2014
What VINTON COUNTY NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 765,808,000 | 757,540,000 | 762,975,000 | 840,834,000 |
| Total loans | 502,638,000 | 511,109,000 | 515,070,000 | 578,918,000 |
| Allowance for loan losses | 5,190,000 | 5,203,000 | 5,158,000 | 5,161,000 |
| Securities available for sale | 47,638,000 | 46,256,000 | 44,628,000 | 57,770,000 |
| Securities held to maturity | 146,021,000 | 146,177,000 | 143,055,000 | 137,429,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 670,163,000 | 650,752,000 | 664,404,000 | 735,668,000 |
| Interest-bearing deposits | 596,579,000 | 575,071,000 | 585,900,000 | 623,279,000 |
| Noninterest-bearing deposits | 73,584,000 | 75,681,000 | 78,504,000 | 112,389,000 |
| Equity capital | 92,650,000 | 94,250,000 | 95,097,000 | 94,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,322,000 | 14,884,000 | 22,529,000 | 30,487,000 |
| Interest expense | 720,000 | 1,445,000 | 2,178,000 | 2,914,000 |
| Net interest income | 6,602,000 | 13,439,000 | 20,351,000 | 27,573,000 |
| Noninterest income | 1,058,000 | 2,257,000 | 3,429,000 | 4,625,000 |
| Noninterest expense | 5,166,000 | 10,281,000 | 15,467,000 | 21,516,000 |
| Provision for loan losses | 149,000 | 293,000 | 592,000 | 889,000 |
| Pretax income | 2,345,000 | 5,122,000 | 7,721,000 | 9,782,000 |
| Income tax | 617,000 | 1,402,000 | 2,082,000 | 2,609,000 |
| Net income | 1,728,000 | 3,720,000 | 5,639,000 | 7,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,657,000 | 89,181,000 | 90,132,000 | 84,869,000 |
| Total capital | 92,847,000 | 94,384,000 | 95,290,000 | 90,030,000 |
| Risk-weighted assets | 508,755,000 | 509,418,000 | 506,894,000 | 569,267,000 |