Call reports 2006
VERMILION VALLEY BANK — 2006
What VERMILION VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 80,957,000 | 82,310,000 | 85,587,000 | 87,809,000 |
| Total loans | 53,558,000 | 55,038,000 | 56,700,000 | 58,209,000 |
| Allowance for loan losses | 879,000 | 887,000 | 852,000 | 850,000 |
| Securities available for sale | 22,189,000 | 22,558,000 | 23,665,000 | 24,372,000 |
| Securities held to maturity | 250,000 | 250,000 | 100,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,275,000 | 70,527,000 | 69,642,000 | 73,612,000 |
| Interest-bearing deposits | 58,971,000 | 58,372,000 | 58,272,000 | 59,301,000 |
| Noninterest-bearing deposits | 13,304,000 | 12,155,000 | 11,370,000 | 14,311,000 |
| Equity capital | 8,216,000 | 8,177,000 | 8,447,000 | 8,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,068,000 | 2,204,000 | 3,371,000 | 4,570,000 |
| Interest expense | 418,000 | 888,000 | 1,434,000 | 2,027,000 |
| Net interest income | 650,000 | 1,316,000 | 1,937,000 | 2,543,000 |
| Noninterest income | 72,000 | 137,000 | 219,000 | 286,000 |
| Noninterest expense | 433,000 | 873,000 | 1,280,000 | 1,652,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 274,000 | 550,000 | 831,000 | 1,117,000 |
| Income tax | 4,000 | 8,000 | 10,000 | 15,000 |
| Net income | 270,000 | 542,000 | 821,000 | 1,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,609,000 | 7,584,000 | 7,750,000 | 7,893,000 |
| Total capital | 8,308,000 | 8,302,000 | 8,497,000 | 8,637,000 |
| Risk-weighted assets | 55,736,000 | 57,268,000 | 59,615,000 | 60,885,000 |