Call reports 2003
VERMILION BANK & TRUST COMPANY — 2003
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 68,940,000 | 69,102,000 | 68,401,000 | 76,922,000 |
| Total loans | 35,519,000 | 36,412,000 | 36,208,000 | 36,631,000 |
| Allowance for loan losses | 574,000 | 578,000 | 627,000 | 624,000 |
| Securities available for sale | 17,060,000 | 18,265,000 | 17,424,000 | 20,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,262,000 | 59,337,000 | 58,639,000 | 67,921,000 |
| Interest-bearing deposits | 47,856,000 | 47,234,000 | 47,387,000 | 54,896,000 |
| Noninterest-bearing deposits | 11,406,000 | 12,103,000 | 11,252,000 | 13,025,000 |
| Equity capital | 6,687,000 | 6,705,000 | 6,565,000 | 6,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,042,000 | 2,050,000 | 3,045,000 | 4,033,000 |
| Interest expense | 196,000 | 375,000 | 535,000 | 678,000 |
| Net interest income | 846,000 | 1,675,000 | 2,510,000 | 3,355,000 |
| Noninterest income | 134,000 | 259,000 | 404,000 | 527,000 |
| Noninterest expense | 660,000 | 1,350,000 | 2,039,000 | 2,751,000 |
| Provision for loan losses | 5,000 | 13,000 | 20,000 | 28,000 |
| Pretax income | 315,000 | 571,000 | 855,000 | 1,103,000 |
| Income tax | 5,000 | 8,000 | 12,000 | 16,000 |
| Net income | 310,000 | 563,000 | 843,000 | 1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,084,000 | 6,017,000 | 6,137,000 | 6,056,000 |
| Total capital | 6,583,000 | 6,510,000 | 6,628,000 | 6,581,000 |
| Risk-weighted assets | 39,861,000 | 39,349,000 | 39,123,000 | 41,903,000 |