Call reports 2004
VERMILION VALLEY BANK — 2004
What VERMILION VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 83,559,000 | 88,301,000 | 88,079,000 | 86,202,000 |
| Total loans | 49,764,000 | 50,701,000 | 51,591,000 | 51,578,000 |
| Allowance for loan losses | 968,000 | 915,000 | 999,000 | 1,036,000 |
| Securities available for sale | 26,447,000 | 32,338,000 | 31,220,000 | 29,081,000 |
| Securities held to maturity | 438,000 | 437,000 | 437,000 | 347,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,330,000 | 72,633,000 | 72,168,000 | 76,106,000 |
| Interest-bearing deposits | 62,849,000 | 61,447,000 | 61,283,000 | 62,374,000 |
| Noninterest-bearing deposits | 11,481,000 | 11,186,000 | 10,885,000 | 13,732,000 |
| Equity capital | 8,927,000 | 8,884,000 | 8,777,000 | 8,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,057,000 | 3,045,000 | 4,015,000 |
| Interest expense | 289,000 | 564,000 | 855,000 | 1,169,000 |
| Net interest income | 727,000 | 1,493,000 | 2,190,000 | 2,846,000 |
| Noninterest income | 73,000 | 129,000 | 193,000 | 253,000 |
| Noninterest expense | 410,000 | 806,000 | 1,196,000 | 1,608,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 360,000 | 745,000 | 1,086,000 | 1,353,000 |
| Income tax | -2,000 | 12,000 | 12,000 | 16,000 |
| Net income | 362,000 | 733,000 | 1,074,000 | 1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,851,000 | 7,918,000 | 8,035,000 | 8,047,000 |
| Total capital | 8,522,000 | 8,617,000 | 8,748,000 | 8,756,000 |
| Risk-weighted assets | 53,351,000 | 55,730,000 | 56,756,000 | 56,421,000 |