Call reports 2007
VERMILLION STATE BANK — 2007
What VERMILLION STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 361,116,000 | 361,225,000 | 381,153,000 | 381,825,000 |
| Total loans | 273,567,000 | 276,440,000 | 278,529,000 | 280,764,000 |
| Allowance for loan losses | 3,467,000 | 3,457,000 | 3,478,000 | 3,472,000 |
| Securities available for sale | 13,989,000 | 31,233,000 | 14,991,000 | 42,980,000 |
| Securities held to maturity | 37,655,000 | 38,392,000 | 48,616,000 | 39,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,470,000 | 305,584,000 | 323,483,000 | 324,137,000 |
| Interest-bearing deposits | 265,711,000 | 265,667,000 | 282,521,000 | 284,016,000 |
| Noninterest-bearing deposits | 39,759,000 | 39,917,000 | 40,962,000 | 40,121,000 |
| Equity capital | 41,358,000 | 41,404,000 | 43,163,000 | 44,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,372,000 | 12,982,000 | 19,561,000 | 26,254,000 |
| Interest expense | 2,720,000 | 5,553,000 | 8,454,000 | 11,382,000 |
| Net interest income | 3,652,000 | 7,429,000 | 11,107,000 | 14,872,000 |
| Noninterest income | 467,000 | 942,000 | 1,499,000 | 1,976,000 |
| Noninterest expense | 1,097,000 | 2,202,000 | 3,357,000 | 4,482,000 |
| Provision for loan losses | 25,000 | 100,000 | 175,000 | 200,000 |
| Pretax income | 2,992,000 | 6,061,000 | 9,061,000 | 12,147,000 |
| Income tax | 1,000 | 3,000 | 3,000 | 5,000 |
| Net income | 2,991,000 | 6,058,000 | 9,058,000 | 12,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,431,000 | 41,568,000 | 43,225,000 | 44,966,000 |
| Total capital | 44,898,000 | 45,025,000 | 46,703,000 | 48,438,000 |
| Risk-weighted assets | 288,777,000 | 290,152,000 | 298,428,000 | 300,991,000 |