Call reports 2006
VERNON BANK, THE — 2006
What VERNON BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 43,080,000 | 41,718,000 | 46,743,000 | 40,594,000 |
| Total loans | 27,577,000 | 27,032,000 | 27,809,000 | 27,988,000 |
| Allowance for loan losses | 341,000 | 334,000 | 316,000 | 283,000 |
| Securities available for sale | 8,986,000 | 9,097,000 | 8,993,000 | 8,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,690,000 | 38,206,000 | 42,939,000 | 37,188,000 |
| Interest-bearing deposits | 22,939,000 | 21,567,000 | 21,007,000 | 21,264,000 |
| Noninterest-bearing deposits | 16,751,000 | 16,639,000 | 21,933,000 | 15,924,000 |
| Equity capital | 3,218,000 | 3,257,000 | 3,462,000 | 3,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 634,000 | 1,297,000 | 1,965,000 | 2,669,000 |
| Interest expense | 84,000 | 173,000 | 264,000 | 353,000 |
| Net interest income | 550,000 | 1,124,000 | 1,701,000 | 2,316,000 |
| Noninterest income | 169,000 | 355,000 | 529,000 | 708,000 |
| Noninterest expense | 553,000 | 1,119,000 | 1,674,000 | 2,204,000 |
| Provision for loan losses | 28,000 | 55,000 | 87,000 | 166,000 |
| Pretax income | 138,000 | 305,000 | 469,000 | 654,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 138,000 | 305,000 | 469,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,554,000 | 3,720,000 | 3,795,000 | 3,579,000 |
| Total capital | 3,895,000 | 4,054,000 | 4,111,000 | 3,862,000 |
| Risk-weighted assets | 27,483,000 | 27,057,000 | 28,650,000 | 27,233,000 |
Machine access — free, no API key
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