Call reports 2010
VERMILLION STATE BANK — 2010
What VERMILLION STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 450,478,000 | 458,210,000 | 448,693,000 | 478,997,000 |
| Total loans | 284,295,000 | 283,800,000 | 282,764,000 | 287,726,000 |
| Allowance for loan losses | 4,996,000 | 5,251,000 | 5,461,000 | 5,240,000 |
| Securities available for sale | 125,891,000 | 125,879,000 | 113,589,000 | 133,563,000 |
| Securities held to maturity | 20,682,000 | 27,449,000 | 33,255,000 | 35,580,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,565,000 | 393,234,000 | 379,888,000 | 409,278,000 |
| Interest-bearing deposits | 341,535,000 | 347,942,000 | 336,192,000 | 362,054,000 |
| Noninterest-bearing deposits | 42,030,000 | 45,292,000 | 43,696,000 | 47,224,000 |
| Equity capital | 56,694,000 | 54,788,000 | 56,575,000 | 57,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,578,000 | 11,764,000 | 17,274,000 | 22,594,000 |
| Interest expense | 1,697,000 | 3,298,000 | 4,757,000 | 6,119,000 |
| Net interest income | 3,881,000 | 8,466,000 | 12,517,000 | 16,475,000 |
| Noninterest income | 395,000 | 870,000 | 1,399,000 | 2,049,000 |
| Noninterest expense | 1,200,000 | 2,494,000 | 3,812,000 | 5,328,000 |
| Provision for loan losses | 600,000 | 1,700,000 | 2,450,000 | 3,050,000 |
| Pretax income | 2,459,000 | 5,242,000 | 7,766,000 | 10,258,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,459,000 | 5,242,000 | 7,766,000 | 10,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,019,000 | 53,044,000 | 54,526,000 | 55,977,000 |
| Total capital | 58,985,000 | 56,961,000 | 58,486,000 | 59,966,000 |
| Risk-weighted assets | 316,212,000 | 316,815,000 | 315,338,000 | 317,899,000 |