Call reports 2005
VERMILLION STATE BANK — 2005
What VERMILLION STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 305,178,000 | 309,064,000 | 313,209,000 | 329,739,000 |
| Total loans | 230,653,000 | 243,713,000 | 242,234,000 | 249,632,000 |
| Allowance for loan losses | 2,985,000 | 3,093,000 | 3,219,000 | 3,257,000 |
| Securities available for sale | 20,578,000 | 17,817,000 | 15,719,000 | 12,439,000 |
| Securities held to maturity | 21,231,000 | 20,928,000 | 34,681,000 | 38,973,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,056,000 | 258,752,000 | 261,078,000 | 273,264,000 |
| Interest-bearing deposits | 218,850,000 | 221,552,000 | 222,036,000 | 229,738,000 |
| Noninterest-bearing deposits | 37,206,000 | 37,200,000 | 39,042,000 | 43,526,000 |
| Equity capital | 32,232,000 | 33,316,000 | 34,959,000 | 36,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,533,000 | 9,332,000 | 14,329,000 | 19,673,000 |
| Interest expense | 1,094,000 | 2,394,000 | 3,938,000 | 5,656,000 |
| Net interest income | 3,439,000 | 6,938,000 | 10,391,000 | 14,017,000 |
| Noninterest income | 389,000 | 813,000 | 1,298,000 | 1,757,000 |
| Noninterest expense | 1,081,000 | 2,086,000 | 3,149,000 | 4,212,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 2,670,000 | 5,494,000 | 8,294,000 | 11,223,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 2,669,000 | 5,491,000 | 8,290,000 | 11,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,516,000 | 33,330,000 | 35,040,000 | 36,878,000 |
| Total capital | 35,501,000 | 36,423,000 | 38,138,000 | 40,088,000 |
| Risk-weighted assets | 239,260,000 | 251,035,000 | 247,704,000 | 256,716,000 |