Call reports 2003
VERMILLION STATE BANK — 2003
What VERMILLION STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 257,424,000 | 264,466,000 | 273,322,000 | 283,675,000 |
| Total loans | 170,666,000 | 177,069,000 | 186,588,000 | 190,924,000 |
| Allowance for loan losses | 2,837,000 | 2,998,000 | 3,008,000 | 2,899,000 |
| Securities available for sale | 68,291,000 | 65,451,000 | 71,683,000 | 68,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,088,000 | 226,635,000 | 234,962,000 | 241,893,000 |
| Interest-bearing deposits | 190,470,000 | 190,651,000 | 196,886,000 | 197,928,000 |
| Noninterest-bearing deposits | 33,618,000 | 35,984,000 | 38,076,000 | 43,965,000 |
| Equity capital | 26,064,000 | 27,380,000 | 28,026,000 | 29,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,924,000 | 7,911,000 | 11,854,000 | 15,870,000 |
| Interest expense | 1,078,000 | 2,115,000 | 3,140,000 | 4,103,000 |
| Net interest income | 2,846,000 | 5,796,000 | 8,714,000 | 11,767,000 |
| Noninterest income | 282,000 | 542,000 | 822,000 | 1,124,000 |
| Noninterest expense | 908,000 | 2,039,000 | 3,008,000 | 4,041,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 2,220,000 | 4,337,000 | 6,541,000 | 8,868,000 |
| Income tax | 3,000 | -2,000 | -2,000 | -2,000 |
| Net income | 2,217,000 | 4,339,000 | 6,543,000 | 8,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,234,000 | 26,358,000 | 27,564,000 | 28,893,000 |
| Total capital | 27,544,000 | 28,761,000 | 30,090,000 | 31,495,000 |
| Risk-weighted assets | 184,273,000 | 191,632,000 | 201,595,000 | 207,834,000 |