Call reports 2001
VERMILLION STATE BANK — 2001
What VERMILLION STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 201,306,000 | 207,361,000 | 210,512,000 | 228,288,000 |
| Total loans | 130,115,000 | 137,351,000 | 134,413,000 | 140,578,000 |
| Allowance for loan losses | 2,633,000 | 2,622,000 | 2,621,000 | 2,555,000 |
| Securities available for sale | 44,129,000 | 46,786,000 | 53,463,000 | 55,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,299,000 | 181,520,000 | 184,943,000 | 198,499,000 |
| Interest-bearing deposits | 151,365,000 | 155,109,000 | 158,607,000 | 167,179,000 |
| Noninterest-bearing deposits | 24,934,000 | 26,411,000 | 26,336,000 | 31,320,000 |
| Equity capital | 21,307,000 | 22,358,000 | 22,089,000 | 22,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,130,000 | 8,249,000 | 12,412,000 | 16,523,000 |
| Interest expense | 1,799,000 | 3,561,000 | 5,259,000 | 6,763,000 |
| Net interest income | 2,331,000 | 4,688,000 | 7,153,000 | 9,760,000 |
| Noninterest income | 271,000 | 574,000 | 845,000 | 1,108,000 |
| Noninterest expense | 888,000 | 1,807,000 | 2,763,000 | 3,723,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 1,659,000 | 3,404,000 | 5,209,000 | 7,092,000 |
| Income tax | 181,000 | 304,000 | 304,000 | 304,000 |
| Net income | 1,478,000 | 3,100,000 | 4,905,000 | 6,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,626,000 | 21,606,000 | 20,769,000 | 21,493,000 |
| Total capital | 22,500,000 | 23,589,000 | 22,748,000 | 23,582,000 |
| Risk-weighted assets | 149,133,000 | 157,962,000 | 157,680,000 | 166,647,000 |