Call reports 2016
VERMILION BANK & TRUST COMPANY — 2016
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 109,639,000 | 106,681,000 | 112,024,000 | 130,920,000 |
| Total loans | 66,393,000 | 70,232,000 | 74,096,000 | 71,017,000 |
| Allowance for loan losses | 816,000 | 808,000 | 769,000 | 815,000 |
| Securities available for sale | 28,050,000 | 26,348,000 | 26,976,000 | 42,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,824,000 | 93,423,000 | 98,393,000 | 118,679,000 |
| Interest-bearing deposits | 74,257,000 | 72,482,000 | 75,230,000 | 95,119,000 |
| Noninterest-bearing deposits | 22,567,000 | 20,941,000 | 23,163,000 | 23,560,000 |
| Equity capital | 11,210,000 | 11,449,000 | 11,613,000 | 10,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,135,000 | 2,288,000 | 3,477,000 | 4,656,000 |
| Interest expense | 60,000 | 117,000 | 177,000 | 240,000 |
| Net interest income | 1,075,000 | 2,171,000 | 3,300,000 | 4,416,000 |
| Noninterest income | 216,000 | 419,000 | 682,000 | 889,000 |
| Noninterest expense | 896,000 | 1,805,000 | 2,703,000 | 3,560,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 365,000 | 773,000 | 1,237,000 | 1,673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 365,000 | 773,000 | 1,237,000 | 1,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,812,000 | 10,981,000 | 11,205,000 | 11,057,000 |
| Total capital | 11,628,000 | 11,789,000 | 11,974,000 | 11,872,000 |
| Risk-weighted assets | 69,394,000 | 72,211,000 | 75,120,000 | 77,151,000 |