Call reports 2011
VERMILION BANK & TRUST COMPANY — 2011
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 98,859,000 | 98,006,000 | 99,682,000 | 121,336,000 |
| Total loans | 57,026,000 | 57,018,000 | 56,901,000 | 57,393,000 |
| Allowance for loan losses | 749,000 | 707,000 | 701,000 | 710,000 |
| Securities available for sale | 24,551,000 | 24,276,000 | 24,886,000 | 41,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,060,000 | 86,951,000 | 88,100,000 | 110,438,000 |
| Interest-bearing deposits | 69,526,000 | 68,924,000 | 70,617,000 | 91,129,000 |
| Noninterest-bearing deposits | 18,534,000 | 18,027,000 | 17,483,000 | 19,309,000 |
| Equity capital | 8,890,000 | 9,011,000 | 9,398,000 | 9,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,101,000 | 2,227,000 | 3,305,000 | 4,377,000 |
| Interest expense | 132,000 | 260,000 | 374,000 | 478,000 |
| Net interest income | 969,000 | 1,967,000 | 2,931,000 | 3,899,000 |
| Noninterest income | 209,000 | 417,000 | 667,000 | 873,000 |
| Noninterest expense | 783,000 | 1,621,000 | 2,415,000 | 3,181,000 |
| Provision for loan losses | 0 | -10,000 | -7,000 | 2,000 |
| Pretax income | 395,000 | 772,000 | 1,189,000 | 1,588,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 395,000 | 772,000 | 1,189,000 | 1,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,993,000 | 8,899,000 | 9,080,000 | 8,946,000 |
| Total capital | 9,712,000 | 9,606,000 | 9,781,000 | 9,656,000 |
| Risk-weighted assets | 57,527,000 | 56,586,000 | 57,745,000 | 62,975,000 |