Call reports 2013
VERMILION BANK & TRUST COMPANY — 2013
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 111,502,000 | 110,089,000 | 107,337,000 | 122,402,000 |
| Total loans | 58,428,000 | 62,812,000 | 65,960,000 | 65,285,000 |
| Allowance for loan losses | 691,000 | 707,000 | 720,000 | 736,000 |
| Securities available for sale | 27,761,000 | 28,636,000 | 27,595,000 | 43,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,992,000 | 99,098,000 | 95,726,000 | 111,417,000 |
| Interest-bearing deposits | 77,600,000 | 77,429,000 | 75,211,000 | 89,649,000 |
| Noninterest-bearing deposits | 22,392,000 | 21,669,000 | 20,515,000 | 21,768,000 |
| Equity capital | 9,802,000 | 9,157,000 | 9,584,000 | 9,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,003,000 | 2,046,000 | 3,164,000 | 4,274,000 |
| Interest expense | 75,000 | 144,000 | 208,000 | 273,000 |
| Net interest income | 928,000 | 1,902,000 | 2,956,000 | 4,001,000 |
| Noninterest income | 228,000 | 460,000 | 760,000 | 1,017,000 |
| Noninterest expense | 817,000 | 1,652,000 | 2,470,000 | 3,262,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 324,000 | 686,000 | 1,207,000 | 1,702,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 324,000 | 686,000 | 1,207,000 | 1,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,307,000 | 9,565,000 | 9,851,000 | 9,773,000 |
| Total capital | 9,998,000 | 10,272,000 | 10,571,000 | 10,509,000 |
| Risk-weighted assets | 61,629,000 | 66,230,000 | 68,340,000 | 72,438,000 |