Call reports 2008
VERMILION BANK & TRUST COMPANY — 2008
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 83,878,000 | 85,027,000 | 87,936,000 | 99,605,000 |
| Total loans | 52,990,000 | 53,858,000 | 55,638,000 | 54,925,000 |
| Allowance for loan losses | 596,000 | 593,000 | 591,000 | 550,000 |
| Securities available for sale | 16,436,000 | 17,623,000 | 17,598,000 | 16,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,208,000 | 75,152,000 | 77,636,000 | 89,827,000 |
| Interest-bearing deposits | 55,592,000 | 56,582,000 | 58,995,000 | 72,205,000 |
| Noninterest-bearing deposits | 18,616,000 | 18,570,000 | 18,641,000 | 17,622,000 |
| Equity capital | 7,466,000 | 7,485,000 | 7,725,000 | 7,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,332,000 | 2,643,000 | 3,972,000 | 5,265,000 |
| Interest expense | 297,000 | 559,000 | 812,000 | 1,054,000 |
| Net interest income | 1,035,000 | 2,084,000 | 3,160,000 | 4,211,000 |
| Noninterest income | 170,000 | 340,000 | 525,000 | 689,000 |
| Noninterest expense | 737,000 | 1,477,000 | 2,184,000 | 2,849,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 475,000 | 954,000 | 1,508,000 | 2,058,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 475,000 | 954,000 | 1,508,000 | 2,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,293,000 | 7,537,000 | 7,756,000 | 7,712,000 |
| Total capital | 7,889,000 | 8,130,000 | 8,347,000 | 8,262,000 |
| Risk-weighted assets | 53,469,000 | 54,046,000 | 55,658,000 | 57,818,000 |