Call reports 2012
BANK OF VERNON, THE — 2012
What BANK OF VERNON, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 152,140,000 | 148,729,000 | 148,365,000 | 146,634,000 |
| Total loans | 113,469,000 | 113,596,000 | 115,276,000 | 115,475,000 |
| Allowance for loan losses | 4,462,000 | 4,218,000 | 4,679,000 | 4,206,000 |
| Securities available for sale | 21,882,000 | 21,365,000 | 21,876,000 | 19,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,072,000 | 127,379,000 | 126,306,000 | 124,115,000 |
| Interest-bearing deposits | 112,518,000 | 108,423,000 | 108,423,000 | 106,976,000 |
| Noninterest-bearing deposits | 17,554,000 | 18,956,000 | 17,883,000 | 17,139,000 |
| Equity capital | 19,138,000 | 19,426,000 | 19,786,000 | 20,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,952,000 | 3,886,000 | 5,793,000 | 7,575,000 |
| Interest expense | 429,000 | 807,000 | 1,149,000 | 1,472,000 |
| Net interest income | 1,523,000 | 3,079,000 | 4,644,000 | 6,103,000 |
| Noninterest income | 404,000 | 509,000 | 724,000 | 94,000 |
| Noninterest expense | 1,281,000 | 2,561,000 | 3,690,000 | 4,228,000 |
| Provision for loan losses | 46,000 | 73,000 | 359,000 | 405,000 |
| Pretax income | 600,000 | 954,000 | 1,319,000 | 1,564,000 |
| Income tax | 240,000 | 366,000 | 500,000 | 36,000 |
| Net income | 360,000 | 588,000 | 819,000 | 1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,062,000 | 18,826,000 | 19,221,000 | 19,829,000 |
| Total capital | 20,609,000 | 20,351,000 | 20,764,000 | 21,377,000 |
| Risk-weighted assets | 120,840,000 | 119,304,000 | 120,332,000 | 121,215,000 |
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