Call reports 2006
VERMILION BANK & TRUST COMPANY — 2006
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 73,417,000 | 73,509,000 | 75,079,000 | 87,518,000 |
| Total loans | 40,905,000 | 42,970,000 | 42,091,000 | 42,103,000 |
| Allowance for loan losses | 582,000 | 570,000 | 646,000 | 647,000 |
| Securities available for sale | 12,478,000 | 11,707,000 | 12,521,000 | 24,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,773,000 | 64,701,000 | 65,690,000 | 78,771,000 |
| Interest-bearing deposits | 49,010,000 | 48,691,000 | 47,661,000 | 58,818,000 |
| Noninterest-bearing deposits | 15,763,000 | 16,010,000 | 18,029,000 | 19,954,000 |
| Equity capital | 6,363,000 | 6,339,000 | 6,689,000 | 6,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,108,000 | 2,238,000 | 3,425,000 | 4,650,000 |
| Interest expense | 235,000 | 477,000 | 726,000 | 990,000 |
| Net interest income | 873,000 | 1,761,000 | 2,699,000 | 3,660,000 |
| Noninterest income | 132,000 | 281,000 | 479,000 | 608,000 |
| Noninterest expense | 719,000 | 1,444,000 | 2,094,000 | 2,806,000 |
| Provision for loan losses | 0 | 0 | 70,000 | 70,000 |
| Pretax income | 286,000 | 598,000 | 1,014,000 | 1,392,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 286,000 | 598,000 | 1,014,000 | 1,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,600,000 | 6,678,000 | 6,859,000 | 6,836,000 |
| Total capital | 7,147,000 | 7,235,000 | 7,410,000 | 7,421,000 |
| Risk-weighted assets | 43,695,000 | 44,583,000 | 43,947,000 | 46,761,000 |