Call reports 2011
VERMILION VALLEY BANK — 2011
What VERMILION VALLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 102,089,000 | 103,527,000 | 108,386,000 | 118,848,000 |
| Total loans | 60,326,000 | 60,801,000 | 64,569,000 | 70,129,000 |
| Allowance for loan losses | 858,000 | 912,000 | 893,000 | 865,000 |
| Securities available for sale | 28,682,000 | 37,288,000 | 37,778,000 | 42,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,727,000 | 88,181,000 | 89,917,000 | 96,933,000 |
| Interest-bearing deposits | 74,944,000 | 75,705,000 | 77,886,000 | 81,226,000 |
| Noninterest-bearing deposits | 14,783,000 | 12,476,000 | 12,031,000 | 15,707,000 |
| Equity capital | 12,097,000 | 12,348,000 | 12,735,000 | 13,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,091,000 | 2,199,000 | 3,324,000 | 4,465,000 |
| Interest expense | 191,000 | 374,000 | 548,000 | 702,000 |
| Net interest income | 900,000 | 1,825,000 | 2,776,000 | 3,763,000 |
| Noninterest income | 88,000 | 161,000 | 242,000 | 412,000 |
| Noninterest expense | 515,000 | 1,026,000 | 1,599,000 | 2,298,000 |
| Provision for loan losses | 45,000 | 90,000 | 105,000 | 105,000 |
| Pretax income | 428,000 | 870,000 | 1,314,000 | 1,772,000 |
| Income tax | 14,000 | 16,000 | 17,000 | 19,000 |
| Net income | 414,000 | 854,000 | 1,297,000 | 1,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,873,000 | 10,996,000 | 11,296,000 | 11,600,000 |
| Total capital | 11,630,000 | 11,731,000 | 11,982,000 | 12,283,000 |
| Risk-weighted assets | 64,325,000 | 65,181,000 | 69,232,000 | 75,960,000 |