Call reports 2005
VERNON BANK, THE — 2005
What VERNON BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 43,984,000 | 41,019,000 | 40,573,000 | 41,637,000 |
| Total loans | 24,682,000 | 26,995,000 | 27,481,000 | 27,309,000 |
| Allowance for loan losses | 216,000 | 229,000 | 264,000 | 316,000 |
| Securities available for sale | 12,065,000 | 10,721,000 | 8,957,000 | 8,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,478,000 | 37,158,000 | 36,907,000 | 38,484,000 |
| Interest-bearing deposits | 24,078,000 | 22,980,000 | 22,360,000 | 22,202,000 |
| Noninterest-bearing deposits | 16,400,000 | 14,178,000 | 14,547,000 | 16,282,000 |
| Equity capital | 3,388,000 | 3,349,000 | 3,399,000 | 3,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,170,000 | 1,777,000 | 2,405,000 |
| Interest expense | 78,000 | 158,000 | 239,000 | 323,000 |
| Net interest income | 490,000 | 1,012,000 | 1,538,000 | 2,082,000 |
| Noninterest income | 165,000 | 81,000 | 251,000 | 411,000 |
| Noninterest expense | 488,000 | 1,007,000 | 1,521,000 | 2,002,000 |
| Provision for loan losses | 54,000 | 106,000 | 150,000 | 223,000 |
| Pretax income | 113,000 | -20,000 | 115,000 | 265,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 113,000 | -20,000 | 115,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,678,000 | 3,545,000 | 3,630,000 | 3,416,000 |
| Total capital | 3,894,000 | 3,774,000 | 3,894,000 | 3,732,000 |
| Risk-weighted assets | 25,593,000 | 25,990,000 | 26,705,000 | 26,936,000 |
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