Call reports 2011
VERMILLION STATE BANK — 2011
What VERMILLION STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 490,833,000 | 479,737,000 | 493,462,000 | 488,953,000 |
| Total loans | 294,644,000 | 287,697,000 | 289,475,000 | 293,353,000 |
| Allowance for loan losses | 5,485,000 | 4,996,000 | 5,854,000 | 7,620,000 |
| Securities available for sale | 103,283,000 | 118,000,000 | 138,730,000 | 131,673,000 |
| Securities held to maturity | 68,249,000 | 46,039,000 | 44,902,000 | 54,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,024,000 | 411,762,000 | 426,875,000 | 421,701,000 |
| Interest-bearing deposits | 377,848,000 | 388,158,000 | 399,820,000 | 371,999,000 |
| Noninterest-bearing deposits | 46,176,000 | 23,604,000 | 27,055,000 | 49,702,000 |
| Equity capital | 56,640,000 | 57,969,000 | 59,621,000 | 60,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,394,000 | 10,904,000 | 16,363,000 | 21,936,000 |
| Interest expense | 1,344,000 | 2,593,000 | 3,934,000 | 5,094,000 |
| Net interest income | 4,050,000 | 8,311,000 | 12,429,000 | 16,842,000 |
| Noninterest income | 471,000 | 928,000 | 1,456,000 | 2,022,000 |
| Noninterest expense | 1,545,000 | 3,140,000 | 4,515,000 | 5,798,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 2,050,000 | 3,800,000 |
| Pretax income | 2,366,000 | 4,958,000 | 7,393,000 | 9,342,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,366,000 | 4,958,000 | 7,393,000 | 9,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,344,000 | 56,051,000 | 57,412,000 | 58,287,000 |
| Total capital | 59,431,000 | 60,050,000 | 61,463,000 | 62,390,000 |
| Risk-weighted assets | 328,126,000 | 322,456,000 | 325,542,000 | 324,685,000 |