Call reports 2014
VERMILLION STATE BANK — 2014
What VERMILLION STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 527,873,000 | 533,058,000 | 538,992,000 | 551,763,000 |
| Total loans | 289,842,000 | 297,319,000 | 300,376,000 | 302,879,000 |
| Allowance for loan losses | 8,609,000 | 9,163,000 | 9,169,000 | 7,629,000 |
| Securities available for sale | 116,892,000 | 104,649,000 | 108,344,000 | 109,577,000 |
| Securities held to maturity | 90,920,000 | 99,275,000 | 104,288,000 | 111,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,178,000 | 463,931,000 | 467,556,000 | 477,826,000 |
| Interest-bearing deposits | 394,448,000 | 400,605,000 | 399,002,000 | 409,314,000 |
| Noninterest-bearing deposits | 66,730,000 | 63,326,000 | 68,554,000 | 68,512,000 |
| Equity capital | 66,042,000 | 68,527,000 | 70,859,000 | 73,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,548,000 | 9,261,000 | 14,062,000 | 18,838,000 |
| Interest expense | 609,000 | 1,223,000 | 1,867,000 | 2,504,000 |
| Net interest income | 3,939,000 | 8,038,000 | 12,195,000 | 16,334,000 |
| Noninterest income | 1,053,000 | 1,575,000 | 2,131,000 | 2,819,000 |
| Noninterest expense | 1,396,000 | 2,860,000 | 4,385,000 | 6,093,000 |
| Provision for loan losses | 468,000 | 468,000 | 468,000 | 469,000 |
| Pretax income | 3,128,000 | 6,286,000 | 9,474,000 | 12,592,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,128,000 | 6,286,000 | 9,474,000 | 12,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,187,000 | 68,495,000 | 70,997,000 | 73,431,000 |
| Total capital | 70,285,000 | 72,695,000 | 75,215,000 | 77,683,000 |
| Risk-weighted assets | 323,350,000 | 331,043,000 | 332,454,000 | 336,800,000 |