Call reports 2001
VERMILION BANK & TRUST COMPANY — 2001
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 69,883,000 | 69,218,000 | 70,255,000 | 78,071,000 |
| Total loans | 29,390,000 | 31,560,000 | 31,236,000 | 32,322,000 |
| Allowance for loan losses | 593,000 | 595,000 | 570,000 | 567,000 |
| Securities available for sale | 23,577,000 | 23,481,000 | 23,865,000 | 22,192,000 |
| Securities held to maturity | 6,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,995,000 | 57,965,000 | 58,273,000 | 66,643,000 |
| Interest-bearing deposits | 46,334,000 | 44,908,000 | 45,231,000 | 54,999,000 |
| Noninterest-bearing deposits | 12,661,000 | 13,056,000 | 13,042,000 | 11,644,000 |
| Equity capital | 6,971,000 | 7,202,000 | 7,616,000 | 7,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,274,000 | 2,513,000 | 3,741,000 | 4,940,000 |
| Interest expense | 568,000 | 1,067,000 | 1,534,000 | 1,939,000 |
| Net interest income | 706,000 | 1,446,000 | 2,207,000 | 3,001,000 |
| Noninterest income | 184,000 | 305,000 | 414,000 | 560,000 |
| Noninterest expense | 591,000 | 1,205,000 | 1,820,000 | 2,508,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 299,000 | 546,000 | 801,000 | 1,053,000 |
| Income tax | 48,000 | 92,000 | 149,000 | 165,000 |
| Net income | 251,000 | 454,000 | 652,000 | 888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,723,000 | 6,925,000 | 7,123,000 | 7,359,000 |
| Total capital | 7,188,000 | 7,404,000 | 7,602,000 | 7,874,000 |
| Risk-weighted assets | 37,039,000 | 38,207,000 | 38,201,000 | 41,161,000 |