Call reports 2015
VINTON COUNTY NATIONAL BANK — 2015
What VINTON COUNTY NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 859,304,000 | 850,115,000 | 864,579,000 | 866,359,000 |
| Total loans | 578,304,000 | 597,296,000 | 607,277,000 | 609,594,000 |
| Allowance for loan losses | 5,194,000 | 5,277,000 | 5,371,000 | 5,439,000 |
| Securities available for sale | 50,971,000 | 54,404,000 | 56,490,000 | 54,087,000 |
| Securities held to maturity | 138,573,000 | 136,463,000 | 132,122,000 | 126,370,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 758,363,000 | 738,990,000 | 760,646,000 | 758,957,000 |
| Interest-bearing deposits | 659,189,000 | 637,300,000 | 653,821,000 | 644,305,000 |
| Noninterest-bearing deposits | 99,174,000 | 101,690,000 | 106,825,000 | 114,652,000 |
| Equity capital | 95,895,000 | 97,153,000 | 99,297,000 | 101,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,024,000 | 16,336,000 | 24,653,000 | 32,970,000 |
| Interest expense | 764,000 | 1,514,000 | 2,260,000 | 2,993,000 |
| Net interest income | 7,260,000 | 14,822,000 | 22,393,000 | 29,977,000 |
| Noninterest income | 1,235,000 | 2,389,000 | 3,842,000 | 5,229,000 |
| Noninterest expense | 6,361,000 | 12,503,000 | 18,576,000 | 24,632,000 |
| Provision for loan losses | 335,000 | 649,000 | 938,000 | 1,154,000 |
| Pretax income | 1,847,000 | 4,107,000 | 6,769,000 | 9,490,000 |
| Income tax | 430,000 | 1,007,000 | 1,723,000 | 2,449,000 |
| Net income | 1,417,000 | 3,100,000 | 5,046,000 | 7,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,833,000 | 89,553,000 | 91,546,000 | 93,584,000 |
| Total capital | 93,027,000 | 94,830,000 | 96,917,000 | 99,023,000 |
| Risk-weighted assets | 508,632,000 | 525,493,000 | 526,599,000 | 534,756,000 |