Call reports 2006
VERMILLION STATE BANK — 2006
What VERMILLION STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 336,616,000 | 335,076,000 | 336,747,000 | 354,099,000 |
| Total loans | 260,655,000 | 263,480,000 | 264,880,000 | 268,569,000 |
| Allowance for loan losses | 3,342,000 | 3,386,000 | 3,463,000 | 3,492,000 |
| Securities available for sale | 12,571,000 | 11,487,000 | 11,047,000 | 14,731,000 |
| Securities held to maturity | 33,109,000 | 32,568,000 | 35,358,000 | 37,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,559,000 | 280,106,000 | 279,296,000 | 296,478,000 |
| Interest-bearing deposits | 245,103,000 | 242,315,000 | 244,077,000 | 260,596,000 |
| Noninterest-bearing deposits | 38,456,000 | 37,791,000 | 35,219,000 | 35,882,000 |
| Equity capital | 35,536,000 | 37,392,000 | 39,601,000 | 41,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,533,000 | 11,463,000 | 17,653,000 | 23,901,000 |
| Interest expense | 1,936,000 | 4,118,000 | 6,572,000 | 9,210,000 |
| Net interest income | 3,597,000 | 7,345,000 | 11,081,000 | 14,691,000 |
| Noninterest income | 398,000 | 854,000 | 1,322,000 | 1,832,000 |
| Noninterest expense | 1,055,000 | 2,067,000 | 2,989,000 | 4,110,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 350,000 |
| Pretax income | 2,865,000 | 5,984,000 | 9,191,000 | 12,065,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 5,000 |
| Net income | 2,864,000 | 5,982,000 | 9,187,000 | 12,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,725,000 | 37,682,000 | 39,727,000 | 41,440,000 |
| Total capital | 39,067,000 | 41,068,000 | 43,181,000 | 44,932,000 |
| Risk-weighted assets | 267,565,000 | 273,165,000 | 276,321,000 | 283,461,000 |