Call reports 2001
VERMILION VALLEY BANK — 2001
What VERMILION VALLEY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 50,535,000 | 50,736,000 | 50,238,000 | 52,634,000 |
| Total loans | 34,841,000 | 35,892,000 | 36,464,000 | 36,480,000 |
| Allowance for loan losses | 670,000 | 714,000 | 574,000 | 593,000 |
| Securities available for sale | 12,655,000 | 11,954,000 | 10,779,000 | 12,707,000 |
| Securities held to maturity | 610,000 | 610,000 | 609,000 | 453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,244,000 | 42,883,000 | 42,962,000 | 45,032,000 |
| Interest-bearing deposits | 39,019,000 | 38,045,000 | 38,550,000 | 38,352,000 |
| Noninterest-bearing deposits | 5,225,000 | 4,838,000 | 4,412,000 | 6,680,000 |
| Equity capital | 5,660,000 | 5,790,000 | 6,006,000 | 6,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 945,000 | 1,886,000 | 2,839,000 | 3,686,000 |
| Interest expense | 495,000 | 966,000 | 1,413,000 | 1,816,000 |
| Net interest income | 450,000 | 920,000 | 1,426,000 | 1,870,000 |
| Noninterest income | 55,000 | 96,000 | 134,000 | 170,000 |
| Noninterest expense | 225,000 | 440,000 | 654,000 | 917,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 210,000 |
| Pretax income | 241,000 | 492,000 | 775,000 | 917,000 |
| Income tax | -13,000 | -4,000 | 13,000 | 5,000 |
| Net income | 254,000 | 496,000 | 762,000 | 922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,447,000 | 5,563,000 | 5,753,000 | 5,789,000 |
| Total capital | 5,803,000 | 5,916,000 | 6,219,000 | 6,255,000 |
| Risk-weighted assets | 28,181,000 | 28,213,000 | 36,815,000 | 37,113,000 |