Call reports 2021
VERMILION BANK & TRUST COMPANY — 2021
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 148,272,000 | 153,318,000 | 156,172,000 | 172,537,000 |
| Total loans | 71,556,000 | 74,057,000 | 71,188,000 | 69,395,000 |
| Allowance for loan losses | 1,602,000 | 1,643,000 | 1,688,000 | 1,707,000 |
| Securities available for sale | 29,633,000 | 44,193,000 | 44,282,000 | 46,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,408,000 | 139,041,000 | 141,217,000 | 158,530,000 |
| Interest-bearing deposits | 99,138,000 | 106,519,000 | 109,916,000 | 128,185,000 |
| Noninterest-bearing deposits | 35,270,000 | 32,522,000 | 31,301,000 | 30,345,000 |
| Equity capital | 12,633,000 | 12,851,000 | 13,332,000 | 13,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,073,000 | 2,320,000 | 3,660,000 | 4,956,000 |
| Interest expense | 71,000 | 134,000 | 191,000 | 243,000 |
| Net interest income | 1,002,000 | 2,186,000 | 3,469,000 | 4,713,000 |
| Noninterest income | 190,000 | 384,000 | 677,000 | 925,000 |
| Noninterest expense | 833,000 | 1,675,000 | 2,509,000 | 3,339,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 314,000 | 805,000 | 1,502,000 | 2,119,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 314,000 | 805,000 | 1,502,000 | 2,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,556,000 | 12,809,000 | 13,267,000 | 13,305,000 |
| Total capital | 13,561,000 | 13,773,000 | 14,295,000 | 14,289,000 |
| Risk-weighted assets | 79,870,000 | 76,429,000 | 81,583,000 | 77,982,000 |