Call reports 2004
VERMILION BANK & TRUST COMPANY — 2004
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 66,782,000 | 65,204,000 | 65,123,000 | 81,607,000 |
| Total loans | 37,399,000 | 40,130,000 | 40,799,000 | 40,589,000 |
| Allowance for loan losses | 627,000 | 632,000 | 641,000 | 612,000 |
| Securities available for sale | 16,199,000 | 13,698,000 | 12,669,000 | 24,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,592,000 | 56,289,000 | 55,396,000 | 72,926,000 |
| Interest-bearing deposits | 45,381,000 | 44,767,000 | 44,404,000 | 60,193,000 |
| Noninterest-bearing deposits | 12,211,000 | 11,522,000 | 10,992,000 | 12,733,000 |
| Equity capital | 6,545,000 | 6,163,000 | 6,531,000 | 6,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 951,000 | 1,890,000 | 2,836,000 | 3,806,000 |
| Interest expense | 122,000 | 237,000 | 353,000 | 476,000 |
| Net interest income | 829,000 | 1,653,000 | 2,483,000 | 3,330,000 |
| Noninterest income | 131,000 | 293,000 | 469,000 | 629,000 |
| Noninterest expense | 705,000 | 1,413,000 | 2,097,000 | 2,792,000 |
| Provision for loan losses | 8,000 | 15,000 | 22,000 | 70,000 |
| Pretax income | 247,000 | 518,000 | 840,000 | 1,104,000 |
| Income tax | 5,000 | 10,000 | 14,000 | 19,000 |
| Net income | 242,000 | 508,000 | 826,000 | 1,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,129,000 | 6,232,000 | 6,383,000 | 6,312,000 |
| Total capital | 6,626,000 | 6,748,000 | 6,906,000 | 6,883,000 |
| Risk-weighted assets | 39,626,000 | 41,161,000 | 41,730,000 | 45,667,000 |