Call reports 2014
VERMILION BANK & TRUST COMPANY — 2014
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 110,609,000 | 111,583,000 | 110,593,000 | 130,111,000 |
| Total loans | 64,765,000 | 64,288,000 | 62,542,000 | 61,876,000 |
| Allowance for loan losses | 746,000 | 757,000 | 768,000 | 821,000 |
| Securities available for sale | 32,105,000 | 30,393,000 | 32,349,000 | 47,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,136,000 | 99,562,000 | 98,079,000 | 118,303,000 |
| Interest-bearing deposits | 76,652,000 | 74,892,000 | 72,865,000 | 90,399,000 |
| Noninterest-bearing deposits | 22,484,000 | 24,670,000 | 25,214,000 | 27,904,000 |
| Equity capital | 9,862,000 | 10,234,000 | 10,509,000 | 10,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,060,000 | 2,140,000 | 3,225,000 | 4,297,000 |
| Interest expense | 59,000 | 117,000 | 177,000 | 236,000 |
| Net interest income | 1,001,000 | 2,023,000 | 3,048,000 | 4,061,000 |
| Noninterest income | 245,000 | 495,000 | 770,000 | 1,029,000 |
| Noninterest expense | 831,000 | 1,667,000 | 2,476,000 | 3,291,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 400,000 | 828,000 | 1,304,000 | 1,750,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 400,000 | 828,000 | 1,304,000 | 1,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,937,000 | 10,129,000 | 10,368,000 | 10,237,000 |
| Total capital | 10,683,000 | 10,886,000 | 11,136,000 | 11,058,000 |
| Risk-weighted assets | 70,204,000 | 67,716,000 | 67,996,000 | 71,859,000 |