Call reports 2015
VERMILION BANK & TRUST COMPANY — 2015
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 115,138,000 | 111,193,000 | 111,071,000 | 133,386,000 |
| Total loans | 63,468,000 | 63,588,000 | 65,015,000 | 66,918,000 |
| Allowance for loan losses | 794,000 | 787,000 | 785,000 | 820,000 |
| Securities available for sale | 31,750,000 | 31,927,000 | 30,548,000 | 47,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,716,000 | 98,633,000 | 97,937,000 | 121,077,000 |
| Interest-bearing deposits | 78,165,000 | 76,393,000 | 76,369,000 | 97,348,000 |
| Noninterest-bearing deposits | 24,551,000 | 22,240,000 | 21,568,000 | 23,729,000 |
| Equity capital | 10,805,000 | 10,761,000 | 11,139,000 | 10,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,078,000 | 2,166,000 | 3,256,000 | 4,377,000 |
| Interest expense | 59,000 | 118,000 | 176,000 | 234,000 |
| Net interest income | 1,019,000 | 2,048,000 | 3,080,000 | 4,143,000 |
| Noninterest income | 233,000 | 460,000 | 730,000 | 969,000 |
| Noninterest expense | 850,000 | 1,695,000 | 2,534,000 | 3,359,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 20,000 |
| Pretax income | 402,000 | 813,000 | 1,271,000 | 1,745,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 402,000 | 813,000 | 1,271,000 | 1,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,401,000 | 10,574,000 | 10,793,000 | 10,686,000 |
| Total capital | 11,195,000 | 11,361,000 | 11,578,000 | 11,506,000 |
| Risk-weighted assets | 66,901,000 | 66,841,000 | 68,041,000 | 73,588,000 |