Call reports 2009
BANK OF VERNON, THE — 2009
What BANK OF VERNON, THE 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 | 192,490,000 | 197,172,000 | 188,382,000 | 187,173,000 |
| Total loans | 157,511,000 | 157,138,000 | 154,145,000 | 150,087,000 |
| Allowance for loan losses | 2,162,000 | 2,183,000 | 2,210,000 | 2,501,000 |
| Securities available for sale | 21,671,000 | 21,847,000 | 20,792,000 | 19,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,204,000 | 167,919,000 | 162,974,000 | 162,966,000 |
| Interest-bearing deposits | 145,552,000 | 148,177,000 | 144,350,000 | 143,095,000 |
| Noninterest-bearing deposits | 15,652,000 | 19,742,000 | 18,624,000 | 19,871,000 |
| Equity capital | 19,410,000 | 18,779,000 | 18,334,000 | 17,325,000 |
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 | 2,754,000 | 5,512,000 | 8,082,000 | 10,662,000 |
| Interest expense | 1,202,000 | 2,432,000 | 3,574,000 | 4,751,000 |
| Net interest income | 1,552,000 | 3,080,000 | 4,508,000 | 5,911,000 |
| Noninterest income | 161,000 | 296,000 | 402,000 | 523,000 |
| Noninterest expense | 1,045,000 | 2,290,000 | 3,571,000 | 4,579,000 |
| Provision for loan losses | 605,000 | 1,792,000 | 2,740,000 | 4,906,000 |
| Pretax income | 63,000 | -706,000 | -1,401,000 | -3,051,000 |
| Income tax | 12,000 | -229,000 | -462,000 | -1,177,000 |
| Net income | 51,000 | -477,000 | -939,000 | -1,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,426,000 | 18,898,000 | 18,436,000 | 17,500,000 |
| Total capital | 21,430,000 | 20,864,000 | 20,384,000 | 19,431,000 |
| Risk-weighted assets | 160,174,000 | 168,334,000 | 157,576,000 | 153,939,000 |
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