Call reports 2015
VERMILION VALLEY BANK — 2015
What VERMILION VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 122,230,000 | 122,843,000 | 122,697,000 | 127,521,000 |
| Total loans | 78,056,000 | 82,817,000 | 85,337,000 | 90,015,000 |
| Allowance for loan losses | 783,000 | 787,000 | 790,000 | 855,000 |
| Securities available for sale | 37,639,000 | 33,136,000 | 31,152,000 | 29,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,769,000 | 97,503,000 | 95,149,000 | 102,131,000 |
| Interest-bearing deposits | 83,215,000 | 82,539,000 | 81,079,000 | 80,926,000 |
| Noninterest-bearing deposits | 15,554,000 | 14,964,000 | 14,070,000 | 21,205,000 |
| Equity capital | 17,007,000 | 16,912,000 | 17,018,000 | 17,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,032,000 | 2,099,000 | 3,175,000 | 4,257,000 |
| Interest expense | 65,000 | 131,000 | 199,000 | 277,000 |
| Net interest income | 967,000 | 1,968,000 | 2,976,000 | 3,980,000 |
| Noninterest income | 160,000 | 216,000 | 271,000 | 319,000 |
| Noninterest expense | 459,000 | 941,000 | 1,438,000 | 1,979,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 638,000 | 1,183,000 | 1,719,000 | 2,200,000 |
| Income tax | 0 | 9,000 | 18,000 | 27,000 |
| Net income | 638,000 | 1,174,000 | 1,701,000 | 2,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,819,000 | 15,956,000 | 16,288,000 | 16,565,000 |
| Total capital | 16,602,000 | 16,743,000 | 17,078,000 | 17,420,000 |
| Risk-weighted assets | 79,507,000 | 83,410,000 | 85,448,000 | 90,027,000 |