Call reports 2012
VERMILLION STATE BANK — 2012
What VERMILLION STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 492,453,000 | 491,040,000 | 490,598,000 | 495,339,000 |
| Total loans | 295,182,000 | 293,272,000 | 292,880,000 | 290,261,000 |
| Allowance for loan losses | 8,000,000 | 8,632,000 | 9,988,000 | 11,599,000 |
| Securities available for sale | 112,755,000 | 115,285,000 | 132,880,000 | 133,879,000 |
| Securities held to maturity | 63,220,000 | 59,116,000 | 47,048,000 | 47,319,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,865,000 | 422,583,000 | 424,324,000 | 432,059,000 |
| Interest-bearing deposits | 374,021,000 | 373,925,000 | 371,400,000 | 370,600,000 |
| Noninterest-bearing deposits | 50,844,000 | 48,658,000 | 52,924,000 | 61,459,000 |
| Equity capital | 60,580,000 | 61,584,000 | 63,415,000 | 60,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,256,000 | 10,460,000 | 15,583,000 | 20,480,000 |
| Interest expense | 1,130,000 | 2,085,000 | 2,931,000 | 3,693,000 |
| Net interest income | 4,126,000 | 8,375,000 | 12,652,000 | 16,787,000 |
| Noninterest income | 555,000 | 1,180,000 | 1,916,000 | 2,838,000 |
| Noninterest expense | 1,282,000 | 2,427,000 | 3,820,000 | 5,153,000 |
| Provision for loan losses | 700,000 | 1,600,000 | 2,700,000 | 4,000,000 |
| Pretax income | 2,709,000 | 5,491,000 | 8,299,000 | 10,720,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,709,000 | 5,491,000 | 8,299,000 | 10,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,496,000 | 59,365,000 | 61,071,000 | 58,391,000 |
| Total capital | 62,615,000 | 63,467,000 | 65,150,000 | 62,441,000 |
| Risk-weighted assets | 325,599,000 | 323,644,000 | 320,422,000 | 316,481,000 |