Call reports 2010
BANK OF VERNON, THE — 2010
What BANK OF VERNON, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 180,556,000 | 178,767,000 | 180,809,000 | 180,329,000 |
| Total loans | 145,515,000 | 140,087,000 | 138,161,000 | 132,527,000 |
| Allowance for loan losses | 5,919,000 | 5,883,000 | 5,930,000 | 5,531,000 |
| Securities available for sale | 17,762,000 | 16,845,000 | 17,399,000 | 19,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,157,000 | 152,767,000 | 156,086,000 | 155,104,000 |
| Interest-bearing deposits | 139,798,000 | 137,485,000 | 138,569,000 | 136,623,000 |
| Noninterest-bearing deposits | 15,359,000 | 15,282,000 | 17,517,000 | 18,481,000 |
| Equity capital | 18,530,000 | 19,001,000 | 18,822,000 | 19,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,352,000 | 4,729,000 | 7,083,000 | 9,285,000 |
| Interest expense | 946,000 | 1,861,000 | 2,717,000 | 3,515,000 |
| Net interest income | 1,406,000 | 2,868,000 | 4,366,000 | 5,770,000 |
| Noninterest income | 263,000 | 538,000 | 665,000 | 779,000 |
| Noninterest expense | 1,070,000 | 2,261,000 | 3,558,000 | 4,854,000 |
| Provision for loan losses | 4,366,000 | 4,435,000 | 4,799,000 | 4,952,000 |
| Pretax income | -3,767,000 | -3,290,000 | -3,326,000 | -3,257,000 |
| Income tax | 9,000 | 18,000 | 27,000 | -678,000 |
| Net income | -3,776,000 | -3,308,000 | -3,353,000 | -2,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,723,000 | 19,191,000 | 19,146,000 | 19,920,000 |
| Total capital | 20,615,000 | 21,040,000 | 20,939,000 | 21,702,000 |
| Risk-weighted assets | 147,352,000 | 143,898,000 | 139,266,000 | 138,833,000 |
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