Call reports 2002
VERMILION BANK & TRUST COMPANY — 2002
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 67,648,000 | 66,541,000 | 67,243,000 | 74,700,000 |
| Total loans | 32,547,000 | 35,282,000 | 35,900,000 | 35,111,000 |
| Allowance for loan losses | 564,000 | 568,000 | 569,000 | 569,000 |
| Securities available for sale | 18,953,000 | 20,452,000 | 19,636,000 | 18,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,153,000 | 54,378,000 | 54,996,000 | 65,253,000 |
| Interest-bearing deposits | 46,239,000 | 45,408,000 | 45,613,000 | 52,939,000 |
| Noninterest-bearing deposits | 9,914,000 | 8,970,000 | 9,383,000 | 12,314,000 |
| Equity capital | 7,934,000 | 8,303,000 | 8,381,000 | 6,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,086,000 | 2,185,000 | 3,280,000 | 4,364,000 |
| Interest expense | 314,000 | 591,000 | 857,000 | 1,108,000 |
| Net interest income | 772,000 | 1,594,000 | 2,423,000 | 3,256,000 |
| Noninterest income | 213,000 | 335,000 | 477,000 | 577,000 |
| Noninterest expense | 619,000 | 1,259,000 | 1,926,000 | 2,648,000 |
| Provision for loan losses | 1,000 | 5,000 | 13,000 | 15,000 |
| Pretax income | 381,000 | 681,000 | 977,000 | 1,186,000 |
| Income tax | 64,000 | 88,000 | 112,000 | 279,000 |
| Net income | 317,000 | 593,000 | 865,000 | 907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,676,000 | 7,639,000 | 7,622,000 | 5,774,000 |
| Total capital | 8,155,000 | 8,137,000 | 8,122,000 | 6,287,000 |
| Risk-weighted assets | 38,230,000 | 39,810,000 | 39,971,000 | 40,945,000 |