Call reports 2013
BANK OF VERNON, THE — 2013
What BANK OF VERNON, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 150,267,000 | 149,927,000 | 145,564,000 | 144,121,000 |
| Total loans | 111,683,000 | 108,886,000 | 103,574,000 | 102,985,000 |
| Allowance for loan losses | 4,184,000 | 3,014,000 | 3,102,000 | 2,136,000 |
| Securities available for sale | 22,214,000 | 21,303,000 | 21,766,000 | 20,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,501,000 | 127,216,000 | 123,145,000 | 121,850,000 |
| Interest-bearing deposits | 107,819,000 | 107,188,000 | 104,655,000 | 103,788,000 |
| Noninterest-bearing deposits | 19,682,000 | 20,028,000 | 18,490,000 | 18,062,000 |
| Equity capital | 20,547,000 | 20,629,000 | 20,425,000 | 20,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,812,000 | 3,610,000 | 5,372,000 | 7,072,000 |
| Interest expense | 300,000 | 580,000 | 847,000 | 1,099,000 |
| Net interest income | 1,512,000 | 3,030,000 | 4,525,000 | 5,973,000 |
| Noninterest income | -131,000 | -202,000 | -179,000 | -234,000 |
| Noninterest expense | 1,060,000 | 2,067,000 | 3,186,000 | 4,327,000 |
| Provision for loan losses | 35,000 | 186,000 | 749,000 | 780,000 |
| Pretax income | 307,000 | 596,000 | 432,000 | 653,000 |
| Income tax | 127,000 | 205,000 | 164,000 | 206,000 |
| Net income | 180,000 | 391,000 | 268,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,024,000 | 20,213,000 | 19,393,000 | 19,659,000 |
| Total capital | 21,533,000 | 21,700,000 | 20,812,000 | 21,046,000 |
| Risk-weighted assets | 118,069,000 | 117,419,000 | 111,826,000 | 110,233,000 |
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