Call reports 2016
VERMILION VALLEY BANK — 2016
What VERMILION VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 122,023,000 | 125,104,000 | 125,626,000 | 123,968,000 |
| Total loans | 88,684,000 | 91,855,000 | 93,845,000 | 94,253,000 |
| Allowance for loan losses | 923,000 | 990,000 | 996,000 | 998,000 |
| Securities available for sale | 27,461,000 | 27,239,000 | 25,131,000 | 22,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,054,000 | 99,103,000 | 99,422,000 | 103,027,000 |
| Interest-bearing deposits | 80,083,000 | 83,341,000 | 83,440,000 | 82,505,000 |
| Noninterest-bearing deposits | 16,971,000 | 15,762,000 | 15,982,000 | 20,522,000 |
| Equity capital | 18,121,000 | 18,279,000 | 18,486,000 | 18,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,190,000 | 3,293,000 | 4,339,000 |
| Interest expense | 72,000 | 148,000 | 229,000 | 311,000 |
| Net interest income | 1,020,000 | 2,042,000 | 3,064,000 | 4,028,000 |
| Noninterest income | 77,000 | 133,000 | 193,000 | 224,000 |
| Noninterest expense | 507,000 | 1,008,000 | 1,506,000 | 2,029,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 175,000 |
| Pretax income | 515,000 | 1,017,000 | 1,576,000 | 2,048,000 |
| Income tax | -3,000 | -3,000 | -3,000 | -3,000 |
| Net income | 518,000 | 1,020,000 | 1,579,000 | 2,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,052,000 | 17,090,000 | 17,416,000 | 17,645,000 |
| Total capital | 17,975,000 | 18,080,000 | 18,412,000 | 18,643,000 |
| Risk-weighted assets | 88,101,000 | 91,120,000 | 92,310,000 | 92,431,000 |