Call reports 2024
VERMILION BANK & TRUST COMPANY — 2024
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 146,298,000 | 147,101,000 | 145,694,000 | 164,095,000 |
| Total loans | 67,175,000 | 68,605,000 | 70,228,000 | 70,194,000 |
| Allowance for loan losses | 2,051,000 | 2,090,000 | 2,157,000 | 2,185,000 |
| Securities available for sale | 34,224,000 | 32,892,000 | 35,604,000 | 36,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,467,000 | 132,276,000 | 129,129,000 | 149,015,000 |
| Interest-bearing deposits | 102,433,000 | 100,143,000 | 96,707,000 | 115,955,000 |
| Noninterest-bearing deposits | 30,034,000 | 32,133,000 | 32,422,000 | 33,060,000 |
| Equity capital | 12,353,000 | 13,020,000 | 14,553,000 | 13,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,731,000 | 3,466,000 | 5,240,000 | 7,037,000 |
| Interest expense | 291,000 | 589,000 | 890,000 | 1,196,000 |
| Net interest income | 1,440,000 | 2,877,000 | 4,350,000 | 5,841,000 |
| Noninterest income | 243,000 | 503,000 | 803,000 | 1,093,000 |
| Noninterest expense | 920,000 | 1,837,000 | 2,745,000 | 3,659,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 703,000 | 1,423,000 | 2,228,000 | 3,035,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 703,000 | 1,423,000 | 2,228,000 | 3,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,444,000 | 15,915,000 | 16,470,000 | 16,133,000 |
| Total capital | 16,389,000 | 16,880,000 | 17,434,000 | 17,133,000 |
| Risk-weighted assets | 74,510,000 | 76,087,000 | 75,975,000 | 78,849,000 |