Call reports 2014
VERMILION VALLEY BANK — 2014
What VERMILION VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 125,328,000 | 123,699,000 | 124,635,000 | 125,400,000 |
| Total loans | 73,893,000 | 72,327,000 | 76,291,000 | 80,030,000 |
| Allowance for loan losses | 841,000 | 567,000 | 656,000 | 752,000 |
| Securities available for sale | 46,006,000 | 43,975,000 | 42,081,000 | 39,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,892,000 | 100,539,000 | 98,707,000 | 102,675,000 |
| Interest-bearing deposits | 87,055,000 | 85,133,000 | 83,789,000 | 82,550,000 |
| Noninterest-bearing deposits | 16,837,000 | 15,406,000 | 14,918,000 | 20,125,000 |
| Equity capital | 15,846,000 | 15,931,000 | 16,219,000 | 16,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,060,000 | 2,097,000 | 3,146,000 | 4,210,000 |
| Interest expense | 73,000 | 140,000 | 211,000 | 284,000 |
| Net interest income | 987,000 | 1,957,000 | 2,935,000 | 3,926,000 |
| Noninterest income | 100,000 | 166,000 | 227,000 | 280,000 |
| Noninterest expense | 500,000 | 1,000,000 | 1,547,000 | 2,108,000 |
| Provision for loan losses | 30,000 | 80,000 | 170,000 | 272,000 |
| Pretax income | 557,000 | 1,043,000 | 1,445,000 | 1,826,000 |
| Income tax | 30,000 | 39,000 | 48,000 | 57,000 |
| Net income | 527,000 | 1,004,000 | 1,397,000 | 1,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,796,000 | 14,778,000 | 14,920,000 | 15,068,000 |
| Total capital | 15,452,000 | 15,345,000 | 15,577,000 | 15,729,000 |
| Risk-weighted assets | 79,693,000 | 78,254,000 | 82,040,000 | 85,087,000 |