Call reports 2004
VERMILLION STATE BANK — 2004
What VERMILLION STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 282,115,000 | 292,386,000 | 299,598,000 | 310,432,000 |
| Total loans | 196,412,000 | 203,975,000 | 208,209,000 | 218,977,000 |
| Allowance for loan losses | 2,919,000 | 2,900,000 | 2,879,000 | 2,907,000 |
| Securities available for sale | 64,736,000 | 64,436,000 | 61,788,000 | 66,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,707,000 | 244,281,000 | 249,635,000 | 260,615,000 |
| Interest-bearing deposits | 199,628,000 | 207,191,000 | 209,972,000 | 217,627,000 |
| Noninterest-bearing deposits | 35,079,000 | 37,090,000 | 39,663,000 | 42,988,000 |
| Equity capital | 29,032,000 | 29,714,000 | 31,491,000 | 32,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,951,000 | 8,144,000 | 12,239,000 | 16,703,000 |
| Interest expense | 972,000 | 1,981,000 | 3,019,000 | 4,094,000 |
| Net interest income | 2,979,000 | 6,163,000 | 9,220,000 | 12,609,000 |
| Noninterest income | 270,000 | 548,000 | 966,000 | 1,372,000 |
| Noninterest expense | 1,012,000 | 2,107,000 | 3,065,000 | 4,221,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 2,362,000 | 4,729,000 | 7,223,000 | 9,755,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 2,361,000 | 4,726,000 | 7,219,000 | 9,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,457,000 | 29,789,000 | 31,250,000 | 32,747,000 |
| Total capital | 31,073,000 | 32,505,000 | 34,030,000 | 35,654,000 |
| Risk-weighted assets | 208,967,000 | 217,074,000 | 222,273,000 | 234,281,000 |