Call reports 2010
VERMILION VALLEY BANK — 2010
What VERMILION VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 94,550,000 | 95,327,000 | 98,959,000 | 105,763,000 |
| Total loans | 61,718,000 | 62,394,000 | 65,452,000 | 70,518,000 |
| Allowance for loan losses | 796,000 | 779,000 | 636,000 | 860,000 |
| Securities available for sale | 26,510,000 | 25,881,000 | 26,931,000 | 26,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,701,000 | 80,630,000 | 83,428,000 | 84,811,000 |
| Interest-bearing deposits | 67,163,000 | 68,619,000 | 71,426,000 | 69,410,000 |
| Noninterest-bearing deposits | 10,538,000 | 12,011,000 | 12,002,000 | 15,401,000 |
| Equity capital | 11,738,000 | 11,731,000 | 12,179,000 | 11,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,141,000 | 2,291,000 | 3,460,000 | 4,605,000 |
| Interest expense | 262,000 | 501,000 | 724,000 | 931,000 |
| Net interest income | 879,000 | 1,790,000 | 2,736,000 | 3,674,000 |
| Noninterest income | 110,000 | 165,000 | 221,000 | 324,000 |
| Noninterest expense | 550,000 | 1,104,000 | 1,742,000 | 2,380,000 |
| Provision for loan losses | 0 | 0 | 0 | 210,000 |
| Pretax income | 439,000 | 851,000 | 1,215,000 | 1,408,000 |
| Income tax | 15,000 | 0 | 18,000 | 19,000 |
| Net income | 424,000 | 851,000 | 1,197,000 | 1,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,262,000 | 10,400,000 | 10,556,000 | 10,458,000 |
| Total capital | 11,022,000 | 11,109,000 | 11,194,000 | 11,143,000 |
| Risk-weighted assets | 65,280,000 | 65,491,000 | 68,629,000 | 73,675,000 |