Call reports 2015
VERMILLION STATE BANK — 2015
What VERMILLION STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 556,574,000 | 538,214,000 | 529,622,000 | 537,822,000 |
| Total loans | 299,001,000 | 299,379,000 | 296,473,000 | 286,531,000 |
| Allowance for loan losses | 7,981,000 | 8,389,000 | 7,943,000 | 5,697,000 |
| Securities available for sale | 232,999,000 | 223,203,000 | 222,448,000 | 222,432,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 485,973,000 | 470,485,000 | 458,729,000 | 464,606,000 |
| Interest-bearing deposits | 417,931,000 | 403,962,000 | 389,067,000 | 389,959,000 |
| Noninterest-bearing deposits | 68,042,000 | 66,523,000 | 69,662,000 | 74,647,000 |
| Equity capital | 69,809,000 | 66,997,000 | 70,180,000 | 72,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,753,000 | 9,581,000 | 14,501,000 | 19,260,000 |
| Interest expense | 621,000 | 1,254,000 | 1,865,000 | 2,364,000 |
| Net interest income | 4,132,000 | 8,327,000 | 12,636,000 | 16,896,000 |
| Noninterest income | 590,000 | 1,178,000 | 1,729,000 | 2,524,000 |
| Noninterest expense | 1,491,000 | 2,963,000 | 4,408,000 | 5,771,000 |
| Provision for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 2,955,000 | 6,265,000 | 9,681,000 | 13,374,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,955,000 | 6,265,000 | 9,681,000 | 13,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,387,000 | 65,170,000 | 67,297,000 | 69,701,000 |
| Total capital | 70,662,000 | 69,407,000 | 71,467,000 | 73,788,000 |
| Risk-weighted assets | 338,302,000 | 334,832,000 | 329,824,000 | 325,361,000 |