Call reports 2019
VERMILION VALLEY BANK — 2019
What VERMILION VALLEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 124,577,000 | 121,704,000 | 130,693,000 | 134,213,000 |
| Total loans | 96,754,000 | 96,129,000 | 95,230,000 | 95,910,000 |
| Allowance for loan losses | 1,118,000 | 1,136,000 | 1,156,000 | 1,183,000 |
| Securities available for sale | 21,593,000 | 20,361,000 | 23,504,000 | 25,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,619,000 | 98,815,000 | 108,169,000 | 111,333,000 |
| Interest-bearing deposits | 80,329,000 | 82,735,000 | 89,853,000 | 90,848,000 |
| Noninterest-bearing deposits | 19,290,000 | 16,080,000 | 18,316,000 | 20,485,000 |
| Equity capital | 21,659,000 | 21,826,000 | 22,233,000 | 22,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,268,000 | 2,580,000 | 3,914,000 | 5,234,000 |
| Interest expense | 161,000 | 360,000 | 572,000 | 810,000 |
| Net interest income | 1,107,000 | 2,220,000 | 3,342,000 | 4,424,000 |
| Noninterest income | 84,000 | 124,000 | 175,000 | 217,000 |
| Noninterest expense | 471,000 | 976,000 | 1,483,000 | 2,049,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 697,000 | 1,323,000 | 1,966,000 | 2,502,000 |
| Income tax | -18,000 | -1,000 | -1,000 | -1,000 |
| Net income | 715,000 | 1,324,000 | 1,967,000 | 2,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,865,000 | 20,983,000 | 21,383,000 | 21,672,000 |
| Total capital | 21,983,000 | 22,119,000 | 22,539,000 | 22,855,000 |
| Risk-weighted assets | 94,663,000 | 93,732,000 | 95,048,000 | 94,628,000 |