Call reports 2012
VERMILION BANK & TRUST COMPANY — 2012
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 104,449,000 | 104,220,000 | 104,436,000 | 128,279,000 |
| Total loans | 58,859,000 | 61,000,000 | 59,859,000 | 59,511,000 |
| Allowance for loan losses | 707,000 | 710,000 | 679,000 | 661,000 |
| Securities available for sale | 25,877,000 | 24,306,000 | 22,725,000 | 41,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,305,000 | 92,686,000 | 92,424,000 | 117,024,000 |
| Interest-bearing deposits | 74,086,000 | 71,816,000 | 70,939,000 | 95,372,000 |
| Noninterest-bearing deposits | 19,219,000 | 20,870,000 | 21,485,000 | 21,652,000 |
| Equity capital | 9,408,000 | 9,652,000 | 9,935,000 | 9,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,050,000 | 2,097,000 | 3,137,000 | 4,165,000 |
| Interest expense | 94,000 | 177,000 | 255,000 | 333,000 |
| Net interest income | 956,000 | 1,920,000 | 2,882,000 | 3,832,000 |
| Noninterest income | 215,000 | 447,000 | 721,000 | 959,000 |
| Noninterest expense | 819,000 | 1,638,000 | 2,445,000 | 3,226,000 |
| Provision for loan losses | 11,000 | 26,000 | 41,000 | 56,000 |
| Pretax income | 340,000 | 702,000 | 1,116,000 | 1,508,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 340,000 | 702,000 | 1,116,000 | 1,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,053,000 | 9,181,000 | 9,363,000 | 9,218,000 |
| Total capital | 9,760,000 | 9,891,000 | 10,042,000 | 9,879,000 |
| Risk-weighted assets | 59,593,000 | 62,194,000 | 61,291,000 | 65,582,000 |