Call reports 2013
VERMILLION STATE BANK — 2013
What VERMILLION STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 518,387,000 | 500,980,000 | 512,698,000 | 492,729,000 |
| Total loans | 290,803,000 | 294,415,000 | 291,987,000 | 288,531,000 |
| Allowance for loan losses | 10,056,000 | 9,807,000 | 9,055,000 | 7,730,000 |
| Securities available for sale | 149,067,000 | 131,786,000 | 96,873,000 | 79,420,000 |
| Securities held to maturity | 53,471,000 | 54,236,000 | 94,183,000 | 95,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,712,000 | 439,031,000 | 448,670,000 | 426,275,000 |
| Interest-bearing deposits | 393,104,000 | 384,754,000 | 385,787,000 | 358,216,000 |
| Noninterest-bearing deposits | 61,608,000 | 54,277,000 | 62,883,000 | 68,059,000 |
| Equity capital | 62,921,000 | 61,321,000 | 63,392,000 | 65,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,646,000 | 9,248,000 | 13,930,000 | 18,712,000 |
| Interest expense | 681,000 | 1,345,000 | 2,001,000 | 2,649,000 |
| Net interest income | 3,965,000 | 7,903,000 | 11,929,000 | 16,063,000 |
| Noninterest income | 684,000 | 1,444,000 | 2,081,000 | 2,634,000 |
| Noninterest expense | 1,439,000 | 3,064,000 | 4,437,000 | 6,091,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,400,000 | 1,417,000 |
| Pretax income | 2,609,000 | 5,096,000 | 8,186,000 | 11,202,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,609,000 | 5,096,000 | 8,186,000 | 11,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,999,000 | 60,466,000 | 63,555,000 | 66,059,000 |
| Total capital | 65,104,000 | 64,761,000 | 67,642,000 | 70,049,000 |
| Risk-weighted assets | 322,417,000 | 338,056,000 | 322,031,000 | 315,431,000 |