Call reports 2009
VERMILION BANK & TRUST COMPANY — 2009
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 92,897,000 | 90,080,000 | 90,886,000 | 108,479,000 |
| Total loans | 55,133,000 | 54,640,000 | 54,901,000 | 54,400,000 |
| Allowance for loan losses | 571,000 | 600,000 | 656,000 | 685,000 |
| Securities available for sale | 17,301,000 | 17,356,000 | 18,488,000 | 18,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,898,000 | 79,744,000 | 78,289,000 | 98,471,000 |
| Interest-bearing deposits | 64,679,000 | 62,374,000 | 60,937,000 | 80,261,000 |
| Noninterest-bearing deposits | 18,219,000 | 17,370,000 | 17,352,000 | 18,210,000 |
| Equity capital | 7,964,000 | 8,154,000 | 8,340,000 | 8,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,247,000 | 2,457,000 | 3,660,000 | 4,848,000 |
| Interest expense | 207,000 | 387,000 | 550,000 | 705,000 |
| Net interest income | 1,040,000 | 2,070,000 | 3,110,000 | 4,143,000 |
| Noninterest income | 156,000 | 325,000 | 524,000 | 701,000 |
| Noninterest expense | 726,000 | 1,494,000 | 2,236,000 | 2,983,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 440,000 | 841,000 | 1,308,000 | 1,741,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 440,000 | 841,000 | 1,308,000 | 1,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,920,000 | 8,086,000 | 8,218,000 | 8,181,000 |
| Total capital | 8,491,000 | 8,686,000 | 8,874,000 | 8,866,000 |
| Risk-weighted assets | 56,675,000 | 55,371,000 | 55,539,000 | 56,879,000 |