Call reports 2016
VINTON COUNTY NATIONAL BANK — 2016
What VINTON COUNTY NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 881,430,000 | 866,367,000 | 891,403,000 | 880,534,000 |
| Total loans | 610,628,000 | 612,421,000 | 624,961,000 | 635,101,000 |
| Allowance for loan losses | 5,449,000 | 5,476,000 | 5,491,000 | 5,531,000 |
| Securities available for sale | 49,060,000 | 58,728,000 | 65,045,000 | 62,943,000 |
| Securities held to maturity | 121,563,000 | 126,294,000 | 126,738,000 | 120,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 773,568,000 | 756,863,000 | 780,149,000 | 757,446,000 |
| Interest-bearing deposits | 658,664,000 | 640,805,000 | 652,697,000 | 628,135,000 |
| Noninterest-bearing deposits | 114,904,000 | 116,058,000 | 127,452,000 | 129,311,000 |
| Equity capital | 102,590,000 | 104,155,000 | 105,095,000 | 100,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,063,000 | 16,431,000 | 24,909,000 | 33,311,000 |
| Interest expense | 741,000 | 1,481,000 | 2,236,000 | 2,986,000 |
| Net interest income | 7,322,000 | 14,950,000 | 22,673,000 | 30,325,000 |
| Noninterest income | 1,238,000 | 2,573,000 | 4,019,000 | 5,518,000 |
| Noninterest expense | 6,165,000 | 12,408,000 | 18,705,000 | 24,787,000 |
| Provision for loan losses | 191,000 | 430,000 | 712,000 | 1,000,000 |
| Pretax income | 2,304,000 | 4,785,000 | 7,415,000 | 10,190,000 |
| Income tax | 613,000 | 1,301,000 | 2,025,000 | 2,795,000 |
| Net income | 1,691,000 | 3,484,000 | 5,390,000 | 7,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,518,000 | 95,867,000 | 96,831,000 | 93,893,000 |
| Total capital | 99,967,000 | 101,343,000 | 102,322,000 | 99,424,000 |
| Risk-weighted assets | 546,994,000 | 552,704,000 | 568,459,000 | 571,946,000 |