Call reports 2002
VERMILLION STATE BANK — 2002
What VERMILLION STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 230,141,000 | 234,880,000 | 243,774,000 | 258,971,000 |
| Total loans | 143,755,000 | 155,013,000 | 160,853,000 | 164,754,000 |
| Allowance for loan losses | 2,565,000 | 2,618,000 | 2,695,000 | 2,839,000 |
| Securities available for sale | 55,497,000 | 59,040,000 | 62,798,000 | 67,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,675,000 | 202,808,000 | 210,224,000 | 224,642,000 |
| Interest-bearing deposits | 171,638,000 | 172,900,000 | 179,498,000 | 182,776,000 |
| Noninterest-bearing deposits | 28,037,000 | 29,908,000 | 30,726,000 | 41,866,000 |
| Equity capital | 23,074,000 | 24,794,000 | 26,349,000 | 25,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,035,000 | 8,081,000 | 12,265,000 | 16,302,000 |
| Interest expense | 1,321,000 | 2,624,000 | 3,925,000 | 5,132,000 |
| Net interest income | 2,714,000 | 5,457,000 | 8,340,000 | 11,170,000 |
| Noninterest income | 249,000 | 500,000 | 772,000 | 1,012,000 |
| Noninterest expense | 833,000 | 1,721,000 | 2,603,000 | 3,615,000 |
| Provision for loan losses | 105,000 | 280,000 | 355,000 | 500,000 |
| Pretax income | 2,063,000 | 3,994,000 | 6,257,000 | 8,202,000 |
| Income tax | 0 | 6,000 | 9,000 | 12,000 |
| Net income | 2,063,000 | 3,988,000 | 6,248,000 | 8,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,645,000 | 23,696,000 | 25,082,000 | 23,926,000 |
| Total capital | 24,756,000 | 25,938,000 | 27,354,000 | 26,261,000 |
| Risk-weighted assets | 168,441,000 | 178,933,000 | 181,329,000 | 186,331,000 |