Call reports 2004
VERNON BANK, THE — 2004
What VERNON BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 38,684,000 | 38,388,000 | 39,657,000 | 40,605,000 |
| Total loans | 20,357,000 | 21,441,000 | 22,315,000 | 23,408,000 |
| Allowance for loan losses | 111,000 | 103,000 | 129,000 | 166,000 |
| Securities available for sale | 11,179,000 | 12,436,000 | 11,998,000 | 11,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,099,000 | 35,209,000 | 36,099,000 | 37,049,000 |
| Interest-bearing deposits | 21,486,000 | 21,984,000 | 22,902,000 | 23,493,000 |
| Noninterest-bearing deposits | 13,613,000 | 13,225,000 | 13,197,000 | 13,556,000 |
| Equity capital | 3,532,000 | 3,110,000 | 3,435,000 | 3,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 424,000 | 931,000 | 1,470,000 | 2,026,000 |
| Interest expense | 70,000 | 142,000 | 216,000 | 295,000 |
| Net interest income | 354,000 | 789,000 | 1,254,000 | 1,731,000 |
| Noninterest income | 116,000 | 234,000 | 366,000 | 524,000 |
| Noninterest expense | 453,000 | 917,000 | 1,440,000 | 1,897,000 |
| Provision for loan losses | 15,000 | 30,000 | 67,000 | 141,000 |
| Pretax income | 2,000 | 76,000 | 113,000 | 217,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,000 | 76,000 | 113,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,499,000 | 3,547,000 | 3,585,000 | 3,673,000 |
| Total capital | 3,610,000 | 3,650,000 | 3,714,000 | 3,839,000 |
| Risk-weighted assets | 21,565,000 | 21,911,000 | 22,481,000 | 24,120,000 |
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