Call reports 2005
VERMILION VALLEY BANK — 2005
What VERMILION VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 84,210,000 | 84,904,000 | 85,855,000 | 82,675,000 |
| Total loans | 49,866,000 | 51,505,000 | 52,405,000 | 53,514,000 |
| Allowance for loan losses | 922,000 | 921,000 | 918,000 | 898,000 |
| Securities available for sale | 28,821,000 | 27,930,000 | 28,179,000 | 22,269,000 |
| Securities held to maturity | 346,000 | 346,000 | 346,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,965,000 | 72,407,000 | 69,961,000 | 73,597,000 |
| Interest-bearing deposits | 60,557,000 | 61,098,000 | 58,027,000 | 58,843,000 |
| Noninterest-bearing deposits | 13,408,000 | 11,309,000 | 11,934,000 | 14,754,000 |
| Equity capital | 8,832,000 | 8,684,000 | 8,752,000 | 8,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 951,000 | 1,974,000 | 3,006,000 | 4,021,000 |
| Interest expense | 318,000 | 660,000 | 1,036,000 | 1,466,000 |
| Net interest income | 633,000 | 1,314,000 | 1,970,000 | 2,555,000 |
| Noninterest income | 73,000 | 133,000 | 194,000 | 248,000 |
| Noninterest expense | 428,000 | 852,000 | 1,279,000 | 1,700,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 258,000 | 575,000 | 865,000 | 1,083,000 |
| Income tax | 6,000 | 7,000 | 12,000 | 18,000 |
| Net income | 252,000 | 568,000 | 853,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,072,000 | 8,069,000 | 8,110,000 | 8,072,000 |
| Total capital | 8,754,000 | 8,768,000 | 8,820,000 | 8,778,000 |
| Risk-weighted assets | 54,356,000 | 55,687,000 | 56,621,000 | 56,286,000 |