Call reports 2009
VERMILLION STATE BANK — 2009
What VERMILLION STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 416,323,000 | 416,959,000 | 429,949,000 | 447,543,000 |
| Total loans | 285,303,000 | 288,876,000 | 285,630,000 | 285,579,000 |
| Allowance for loan losses | 3,752,000 | 4,003,000 | 4,498,000 | 4,489,000 |
| Securities available for sale | 77,808,000 | 83,537,000 | 93,915,000 | 106,933,000 |
| Securities held to maturity | 24,103,000 | 24,579,000 | 30,731,000 | 22,760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,693,000 | 354,343,000 | 365,779,000 | 383,155,000 |
| Interest-bearing deposits | 317,628,000 | 315,207,000 | 325,681,000 | 336,608,000 |
| Noninterest-bearing deposits | 38,065,000 | 39,136,000 | 40,098,000 | 46,547,000 |
| Equity capital | 49,239,000 | 51,531,000 | 53,155,000 | 54,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,799,000 | 11,629,000 | 17,040,000 | 23,136,000 |
| Interest expense | 1,934,000 | 3,773,000 | 5,549,000 | 7,312,000 |
| Net interest income | 3,865,000 | 7,856,000 | 11,491,000 | 15,824,000 |
| Noninterest income | 449,000 | 946,000 | 1,470,000 | 1,983,000 |
| Noninterest expense | 1,116,000 | 2,282,000 | 3,713,000 | 5,156,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,100,000 | 2,600,000 |
| Pretax income | 2,902,000 | 5,916,000 | 8,144,000 | 10,148,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,902,000 | 5,916,000 | 8,144,000 | 10,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,821,000 | 50,386,000 | 51,585,000 | 52,560,000 |
| Total capital | 52,573,000 | 54,389,000 | 55,648,000 | 56,589,000 |
| Risk-weighted assets | 316,419,000 | 323,820,000 | 324,463,000 | 321,881,000 |