Call reports 2009
VERMILION VALLEY BANK — 2009
What VERMILION VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 94,897,000 | 95,599,000 | 94,971,000 | 102,415,000 |
| Total loans | 61,280,000 | 62,061,000 | 61,996,000 | 65,713,000 |
| Allowance for loan losses | 938,000 | 923,000 | 869,000 | 891,000 |
| Securities available for sale | 26,321,000 | 27,880,000 | 26,892,000 | 26,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,340,000 | 83,218,000 | 83,068,000 | 88,312,000 |
| Interest-bearing deposits | 67,510,000 | 67,553,000 | 68,691,000 | 67,563,000 |
| Noninterest-bearing deposits | 13,830,000 | 15,665,000 | 14,377,000 | 20,749,000 |
| Equity capital | 10,459,000 | 10,492,000 | 10,994,000 | 11,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,210,000 | 2,444,000 | 3,602,000 | 4,779,000 |
| Interest expense | 356,000 | 694,000 | 1,001,000 | 1,286,000 |
| Net interest income | 854,000 | 1,750,000 | 2,601,000 | 3,493,000 |
| Noninterest income | 99,000 | 155,000 | 223,000 | 284,000 |
| Noninterest expense | 475,000 | 1,027,000 | 1,571,000 | 2,107,000 |
| Provision for loan losses | 45,000 | 60,000 | 65,000 | 65,000 |
| Pretax income | 433,000 | 818,000 | 1,188,000 | 1,605,000 |
| Income tax | 3,000 | 4,000 | 6,000 | 7,000 |
| Net income | 430,000 | 814,000 | 1,182,000 | 1,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,440,000 | 9,498,000 | 9,746,000 | 9,932,000 |
| Total capital | 10,253,000 | 10,289,000 | 10,513,000 | 10,695,000 |
| Risk-weighted assets | 64,932,000 | 65,413,000 | 65,874,000 | 70,453,000 |