Call reports 2012
VERMILION VALLEY BANK — 2012
What VERMILION VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 115,630,000 | 123,239,000 | 122,141,000 | 130,866,000 |
| Total loans | 63,384,000 | 66,863,000 | 68,076,000 | 74,141,000 |
| Allowance for loan losses | 881,000 | 840,000 | 812,000 | 822,000 |
| Securities available for sale | 46,164,000 | 50,447,000 | 46,862,000 | 46,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,485,000 | 101,105,000 | 100,105,000 | 106,680,000 |
| Interest-bearing deposits | 84,051,000 | 86,127,000 | 86,802,000 | 83,104,000 |
| Noninterest-bearing deposits | 16,434,000 | 14,978,000 | 13,303,000 | 23,576,000 |
| Equity capital | 13,644,000 | 13,838,000 | 14,243,000 | 14,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,125,000 | 2,237,000 | 3,359,000 | 4,496,000 |
| Interest expense | 131,000 | 251,000 | 362,000 | 467,000 |
| Net interest income | 994,000 | 1,986,000 | 2,997,000 | 4,029,000 |
| Noninterest income | 180,000 | 266,000 | 345,000 | 403,000 |
| Noninterest expense | 552,000 | 1,116,000 | 1,664,000 | 2,186,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 598,000 | 1,088,000 | 1,606,000 | 2,150,000 |
| Income tax | 23,000 | 28,000 | 34,000 | 39,000 |
| Net income | 575,000 | 1,060,000 | 1,572,000 | 2,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,175,000 | 12,300,000 | 12,635,000 | 12,988,000 |
| Total capital | 12,823,000 | 12,947,000 | 13,288,000 | 13,752,000 |
| Risk-weighted assets | 69,485,000 | 73,576,000 | 74,526,000 | 81,416,000 |