Call reports 2018
VERMILION VALLEY BANK — 2018
What VERMILION VALLEY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 119,500,000 | 123,487,000 | 124,844,000 | 126,845,000 |
| Total loans | 89,381,000 | 93,265,000 | 96,132,000 | 98,732,000 |
| Allowance for loan losses | 1,035,000 | 1,069,000 | 1,094,000 | 1,092,000 |
| Securities available for sale | 23,429,000 | 24,211,000 | 22,827,000 | 22,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,349,000 | 96,538,000 | 98,286,000 | 98,223,000 |
| Interest-bearing deposits | 80,260,000 | 79,898,000 | 81,537,000 | 78,843,000 |
| Noninterest-bearing deposits | 19,089,000 | 16,640,000 | 16,749,000 | 19,380,000 |
| Equity capital | 19,979,000 | 20,122,000 | 20,420,000 | 20,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,115,000 | 2,287,000 | 3,528,000 | 4,796,000 |
| Interest expense | 116,000 | 233,000 | 375,000 | 549,000 |
| Net interest income | 999,000 | 2,054,000 | 3,153,000 | 4,247,000 |
| Noninterest income | 129,000 | 176,000 | 225,000 | 275,000 |
| Noninterest expense | 503,000 | 1,007,000 | 1,497,000 | 2,055,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 595,000 | 1,163,000 | 1,791,000 | 2,367,000 |
| Income tax | 10,000 | 27,000 | 43,000 | 60,000 |
| Net income | 585,000 | 1,136,000 | 1,748,000 | 2,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,307,000 | 19,410,000 | 19,799,000 | 20,140,000 |
| Total capital | 20,342,000 | 20,479,000 | 20,893,000 | 21,232,000 |
| Risk-weighted assets | 88,105,000 | 91,969,000 | 94,368,000 | 96,645,000 |