Call reports 2016
VERMILLION STATE BANK — 2016
What VERMILLION STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 533,691,000 | 529,332,000 | 521,799,000 | 526,875,000 |
| Total loans | 284,956,000 | 283,884,000 | 284,391,000 | 279,750,000 |
| Allowance for loan losses | 5,735,000 | 5,775,000 | 5,813,000 | 5,855,000 |
| Securities available for sale | 209,421,000 | 209,125,000 | 203,728,000 | 207,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,127,000 | 452,215,000 | 442,534,000 | 451,014,000 |
| Interest-bearing deposits | 388,735,000 | 383,717,000 | 368,460,000 | 372,084,000 |
| Noninterest-bearing deposits | 70,392,000 | 68,498,000 | 74,074,000 | 78,930,000 |
| Equity capital | 73,929,000 | 76,487,000 | 78,616,000 | 75,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,692,000 | 9,294,000 | 13,925,000 | 18,516,000 |
| Interest expense | 465,000 | 931,000 | 1,383,000 | 1,796,000 |
| Net interest income | 4,227,000 | 8,363,000 | 12,542,000 | 16,720,000 |
| Noninterest income | 413,000 | 991,000 | 1,504,000 | 1,948,000 |
| Noninterest expense | 1,372,000 | 2,593,000 | 3,828,000 | 5,221,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,268,000 | 6,761,000 | 10,218,000 | 12,793,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,268,000 | 6,761,000 | 10,218,000 | 12,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,969,000 | 71,911,000 | 74,178,000 | 75,564,000 |
| Total capital | 74,005,000 | 75,935,000 | 78,255,000 | 79,630,000 |
| Risk-weighted assets | 321,171,000 | 320,154,000 | 324,397,000 | 323,460,000 |