Call reports 2010
VERMILION BANK & TRUST COMPANY — 2010
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 92,594,000 | 92,664,000 | 91,301,000 | 110,411,000 |
| Total loans | 53,975,000 | 56,898,000 | 57,861,000 | 57,801,000 |
| Allowance for loan losses | 684,000 | 739,000 | 767,000 | 786,000 |
| Securities available for sale | 18,918,000 | 19,567,000 | 18,191,000 | 35,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,373,000 | 80,797,000 | 80,195,000 | 100,180,000 |
| Interest-bearing deposits | 64,422,000 | 63,896,000 | 63,067,000 | 81,157,000 |
| Noninterest-bearing deposits | 17,951,000 | 16,901,000 | 17,128,000 | 19,023,000 |
| Equity capital | 8,270,000 | 8,553,000 | 8,822,000 | 8,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,113,000 | 2,305,000 | 3,490,000 | 4,637,000 |
| Interest expense | 146,000 | 287,000 | 425,000 | 563,000 |
| Net interest income | 967,000 | 2,018,000 | 3,065,000 | 4,074,000 |
| Noninterest income | 174,000 | 351,000 | 558,000 | 742,000 |
| Noninterest expense | 773,000 | 1,519,000 | 2,271,000 | 2,999,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 338,000 | 790,000 | 1,262,000 | 1,697,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 338,000 | 790,000 | 1,262,000 | 1,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,284,000 | 8,501,000 | 8,737,000 | 8,598,000 |
| Total capital | 8,968,000 | 9,224,000 | 9,462,000 | 9,376,000 |
| Risk-weighted assets | 56,459,000 | 57,830,000 | 57,948,000 | 62,203,000 |