Call reports 2023
VERMILION BANK & TRUST COMPANY — 2023
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 145,708,000 | 142,248,000 | 140,483,000 | 162,995,000 |
| Total loans | 69,459,000 | 71,753,000 | 70,669,000 | 70,824,000 |
| Allowance for loan losses | 1,867,000 | 1,896,000 | 1,927,000 | 1,962,000 |
| Securities available for sale | 41,278,000 | 38,502,000 | 37,055,000 | 40,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,819,000 | 129,974,000 | 127,884,000 | 149,616,000 |
| Interest-bearing deposits | 103,719,000 | 99,715,000 | 95,849,000 | 118,626,000 |
| Noninterest-bearing deposits | 30,100,000 | 30,259,000 | 32,035,000 | 30,990,000 |
| Equity capital | 10,598,000 | 10,671,000 | 10,733,000 | 12,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,374,000 | 2,787,000 | 4,245,000 | 5,826,000 |
| Interest expense | 166,000 | 369,000 | 606,000 | 879,000 |
| Net interest income | 1,208,000 | 2,418,000 | 3,639,000 | 4,947,000 |
| Noninterest income | 239,000 | 483,000 | 785,000 | 1,280,000 |
| Noninterest expense | 885,000 | 1,827,000 | 2,700,000 | 3,674,000 |
| Provision for loan losses | 45,000 | 75,000 | 105,000 | 135,000 |
| Pretax income | 517,000 | 999,000 | 1,619,000 | 2,418,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 517,000 | 999,000 | 1,619,000 | 2,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,425,000 | 14,661,000 | 15,035,000 | 15,237,000 |
| Total capital | 15,383,000 | 15,642,000 | 15,997,000 | 16,239,000 |
| Risk-weighted assets | 75,800,000 | 77,528,000 | 76,033,000 | 79,239,000 |