Call reports 2017
VERMILION BANK & TRUST COMPANY — 2017
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 112,972,000 | 112,575,000 | 108,299,000 | 124,971,000 |
| Total loans | 74,449,000 | 74,001,000 | 73,221,000 | 76,305,000 |
| Allowance for loan losses | 826,000 | 644,000 | 737,000 | 683,000 |
| Securities available for sale | 28,256,000 | 27,520,000 | 26,703,000 | 40,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,121,000 | 99,314,000 | 94,607,000 | 112,300,000 |
| Interest-bearing deposits | 78,788,000 | 78,324,000 | 75,205,000 | 90,667,000 |
| Noninterest-bearing deposits | 21,333,000 | 20,990,000 | 19,402,000 | 21,633,000 |
| Equity capital | 11,233,000 | 11,510,000 | 11,701,000 | 11,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,412,000 | 3,648,000 | 4,897,000 |
| Interest expense | 65,000 | 129,000 | 196,000 | 264,000 |
| Net interest income | 1,138,000 | 2,283,000 | 3,452,000 | 4,633,000 |
| Noninterest income | 202,000 | 398,000 | 675,000 | 869,000 |
| Noninterest expense | 888,000 | 1,777,000 | 2,678,000 | 3,458,000 |
| Provision for loan losses | 30,000 | 90,000 | 222,000 | 342,000 |
| Pretax income | 422,000 | 814,000 | 1,227,000 | 1,702,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 422,000 | 814,000 | 1,227,000 | 1,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,239,000 | 11,390,000 | 11,562,000 | 11,450,000 |
| Total capital | 12,065,000 | 12,034,000 | 12,299,000 | 12,133,000 |
| Risk-weighted assets | 77,085,000 | 77,147,000 | 75,208,000 | 81,015,000 |