Call reports 2022
VERMILION BANK & TRUST COMPANY — 2022
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 160,289,000 | 150,801,000 | 146,767,000 | 166,543,000 |
| Total loans | 66,320,000 | 66,782,000 | 68,241,000 | 69,725,000 |
| Allowance for loan losses | 1,753,000 | 1,784,000 | 1,800,000 | 1,897,000 |
| Securities available for sale | 58,051,000 | 59,647,000 | 52,017,000 | 49,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,066,000 | 139,070,000 | 136,157,000 | 155,721,000 |
| Interest-bearing deposits | 117,221,000 | 108,141,000 | 106,403,000 | 126,846,000 |
| Noninterest-bearing deposits | 30,845,000 | 30,929,000 | 29,754,000 | 28,875,000 |
| Equity capital | 11,045,000 | 10,354,000 | 9,026,000 | 9,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,370,000 | 2,584,000 | 3,783,000 | 5,075,000 |
| Interest expense | 54,000 | 102,000 | 167,000 | 291,000 |
| Net interest income | 1,316,000 | 2,482,000 | 3,616,000 | 4,784,000 |
| Noninterest income | 231,000 | 477,000 | 777,000 | 1,048,000 |
| Noninterest expense | 872,000 | 1,731,000 | 2,585,000 | 3,429,000 |
| Provision for loan losses | 45,000 | 90,000 | 155,000 | 237,000 |
| Pretax income | 630,000 | 1,138,000 | 1,653,000 | 2,166,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 630,000 | 1,138,000 | 1,653,000 | 2,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,698,000 | 13,964,000 | 14,237,000 | 14,153,000 |
| Total capital | 14,643,000 | 14,888,000 | 15,172,000 | 15,151,000 |
| Risk-weighted assets | 74,856,000 | 73,057,000 | 73,990,000 | 78,919,000 |