Call reports 2019
VERMILION BANK & TRUST COMPANY — 2019
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 112,923,000 | 110,757,000 | 109,822,000 | 128,641,000 |
| Total loans | 74,767,000 | 73,320,000 | 70,687,000 | 68,147,000 |
| Allowance for loan losses | 1,084,000 | 1,048,000 | 1,132,000 | 1,215,000 |
| Securities available for sale | 24,425,000 | 24,096,000 | 22,367,000 | 21,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,566,000 | 96,881,000 | 95,543,000 | 115,189,000 |
| Interest-bearing deposits | 77,466,000 | 74,662,000 | 74,226,000 | 92,750,000 |
| Noninterest-bearing deposits | 22,100,000 | 22,219,000 | 21,317,000 | 22,439,000 |
| Equity capital | 11,921,000 | 12,223,000 | 12,422,000 | 12,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,335,000 | 2,630,000 | 3,891,000 | 5,117,000 |
| Interest expense | 110,000 | 219,000 | 328,000 | 436,000 |
| Net interest income | 1,225,000 | 2,411,000 | 3,563,000 | 4,681,000 |
| Noninterest income | 198,000 | 408,000 | 678,000 | 900,000 |
| Noninterest expense | 904,000 | 1,807,000 | 2,693,000 | 3,553,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 401,000 | 774,000 | 1,190,000 | 1,550,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 401,000 | 774,000 | 1,190,000 | 1,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,940,000 | 12,075,000 | 12,254,000 | 12,104,000 |
| Total capital | 12,896,000 | 13,015,000 | 13,169,000 | 13,042,000 |
| Risk-weighted assets | 76,362,000 | 75,169,000 | 73,035,000 | 74,901,000 |