Call reports 2017
VERMILION VALLEY BANK — 2017
What VERMILION VALLEY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 118,967,000 | 124,078,000 | 123,944,000 | 126,779,000 |
| Total loans | 87,007,000 | 92,985,000 | 93,044,000 | 95,500,000 |
| Allowance for loan losses | 1,012,000 | 1,011,000 | 1,011,000 | 997,000 |
| Securities available for sale | 21,249,000 | 24,614,000 | 24,738,000 | 24,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,791,000 | 99,142,000 | 96,632,000 | 98,201,000 |
| Interest-bearing deposits | 81,658,000 | 82,561,000 | 80,161,000 | 80,596,000 |
| Noninterest-bearing deposits | 18,133,000 | 16,581,000 | 16,471,000 | 17,605,000 |
| Equity capital | 19,034,000 | 19,160,000 | 19,518,000 | 19,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,030,000 | 2,114,000 | 3,247,000 | 4,396,000 |
| Interest expense | 80,000 | 166,000 | 268,000 | 392,000 |
| Net interest income | 950,000 | 1,948,000 | 2,979,000 | 4,004,000 |
| Noninterest income | 79,000 | 130,000 | 181,000 | 230,000 |
| Noninterest expense | 519,000 | 1,035,000 | 1,550,000 | 2,129,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 510,000 | 1,043,000 | 1,610,000 | 2,105,000 |
| Income tax | 30,000 | 42,000 | 54,000 | 66,000 |
| Net income | 480,000 | 1,001,000 | 1,556,000 | 2,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,099,000 | 18,169,000 | 18,499,000 | 18,753,000 |
| Total capital | 19,111,000 | 19,180,000 | 19,510,000 | 19,750,000 |
| Risk-weighted assets | 85,573,000 | 91,875,000 | 91,786,000 | 94,440,000 |