Call reports 2007
VERMILION BANK & TRUST COMPANY — 2007
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 78,380,000 | 76,996,000 | 77,025,000 | 93,424,000 |
| Total loans | 43,954,000 | 48,077,000 | 48,887,000 | 51,773,000 |
| Allowance for loan losses | 617,000 | 599,000 | 595,000 | 595,000 |
| Securities available for sale | 15,272,000 | 14,463,000 | 14,203,000 | 28,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,240,000 | 67,692,000 | 67,422,000 | 84,254,000 |
| Interest-bearing deposits | 50,483,000 | 47,922,000 | 48,372,000 | 65,779,000 |
| Noninterest-bearing deposits | 18,758,000 | 19,770,000 | 19,050,000 | 18,476,000 |
| Equity capital | 6,916,000 | 6,916,000 | 7,052,000 | 7,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,280,000 | 2,555,000 | 3,834,000 | 5,177,000 |
| Interest expense | 271,000 | 553,000 | 841,000 | 1,145,000 |
| Net interest income | 1,009,000 | 2,002,000 | 2,993,000 | 4,032,000 |
| Noninterest income | 154,000 | 296,000 | 476,000 | 631,000 |
| Noninterest expense | 719,000 | 1,410,000 | 2,091,000 | 2,826,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 444,000 | 888,000 | 1,378,000 | 1,837,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 444,000 | 888,000 | 1,378,000 | 1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,045,000 | 7,082,000 | 7,103,000 | 7,053,000 |
| Total capital | 7,621,000 | 7,681,000 | 7,698,000 | 7,648,000 |
| Risk-weighted assets | 46,021,000 | 48,527,000 | 49,283,000 | 54,644,000 |