Call reports 2025
VERMILION BANK & TRUST COMPANY — 2025
What VERMILION BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 148,018,000 | 145,439,000 | 144,920,000 | 169,728,000 |
| Total loans | 68,333,000 | 69,577,000 | 69,824,000 | 67,186,000 |
| Allowance for loan losses | 2,220,000 | 2,263,000 | 2,249,000 | 1,173,000 |
| Securities available for sale | 28,126,000 | 28,955,000 | 27,320,000 | 35,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,821,000 | 128,117,000 | 126,739,000 | 151,777,000 |
| Interest-bearing deposits | 95,762,000 | 94,299,000 | 91,742,000 | 117,817,000 |
| Noninterest-bearing deposits | 36,059,000 | 33,818,000 | 34,997,000 | 33,960,000 |
| Equity capital | 14,682,000 | 15,426,000 | 16,257,000 | 16,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,815,000 | 3,642,000 | 5,481,000 | 7,321,000 |
| Interest expense | 298,000 | 595,000 | 892,000 | 1,170,000 |
| Net interest income | 1,517,000 | 3,047,000 | 4,589,000 | 6,151,000 |
| Noninterest income | 245,000 | 489,000 | 703,000 | 980,000 |
| Noninterest expense | 981,000 | 1,990,000 | 2,980,000 | 3,856,000 |
| Provision for loan losses | 55,000 | 115,000 | 135,000 | 135,000 |
| Pretax income | 726,000 | 1,431,000 | 2,177,000 | 3,140,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 726,000 | 1,431,000 | 2,177,000 | 3,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,609,000 | 17,064,000 | 17,559,000 | 17,873,000 |
| Total capital | 17,578,000 | 18,036,000 | 18,542,000 | 18,874,000 |
| Risk-weighted assets | 76,306,000 | 76,501,000 | 77,378,000 | 79,935,000 |
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