Call reports 2005
VERMILION BANK & TRUST COMPANY — 2005
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 69,553,000 | 67,875,000 | 68,190,000 | 74,945,000 |
| Total loans | 42,453,000 | 44,398,000 | 43,527,000 | 41,331,000 |
| Allowance for loan losses | 596,000 | 598,000 | 596,000 | 591,000 |
| Securities available for sale | 11,687,000 | 11,729,000 | 10,063,000 | 13,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,753,000 | 58,951,000 | 59,236,000 | 66,165,000 |
| Interest-bearing deposits | 48,534,000 | 46,382,000 | 45,032,000 | 49,919,000 |
| Noninterest-bearing deposits | 12,218,000 | 12,569,000 | 14,204,000 | 16,246,000 |
| Equity capital | 6,465,000 | 6,416,000 | 6,364,000 | 6,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,002,000 | 2,018,000 | 3,047,000 | 4,085,000 |
| Interest expense | 133,000 | 282,000 | 448,000 | 631,000 |
| Net interest income | 869,000 | 1,736,000 | 2,599,000 | 3,454,000 |
| Noninterest income | 131,000 | 276,000 | 425,000 | 654,000 |
| Noninterest expense | 706,000 | 1,430,000 | 2,151,000 | 2,820,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 294,000 | 582,000 | 871,000 | 1,286,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 294,000 | 582,000 | 871,000 | 1,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,606,000 | 6,407,000 | 6,465,000 | 6,549,000 |
| Total capital | 7,162,000 | 6,967,000 | 7,021,000 | 7,101,000 |
| Risk-weighted assets | 44,420,000 | 44,800,000 | 44,464,000 | 44,137,000 |