Call reports 2025
VERMILION VALLEY BANK — 2025
What VERMILION VALLEY BANK 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 | 178,322,000 | 179,935,000 | 185,723,000 | 192,041,000 |
| Total loans | 107,450,000 | 107,772,000 | 112,387,000 | 113,440,000 |
| Allowance for loan losses | 1,248,000 | 1,239,000 | 1,239,000 | 1,241,000 |
| Securities available for sale | 64,684,000 | 66,004,000 | 66,311,000 | 70,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,606,000 | 145,897,000 | 151,335,000 | 150,897,000 |
| Interest-bearing deposits | 120,350,000 | 118,311,000 | 122,271,000 | 123,187,000 |
| Noninterest-bearing deposits | 26,256,000 | 27,586,000 | 29,064,000 | 27,710,000 |
| Equity capital | 27,371,000 | 28,000,000 | 29,594,000 | 29,776,000 |
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 | 1,855,000 | 3,801,000 | 5,851,000 | 7,992,000 |
| Interest expense | 535,000 | 1,131,000 | 1,782,000 | 2,418,000 |
| Net interest income | 1,320,000 | 2,670,000 | 4,069,000 | 5,574,000 |
| Noninterest income | 159,000 | 118,000 | 154,000 | 209,000 |
| Noninterest expense | 707,000 | 1,271,000 | 1,940,000 | 2,616,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 777,000 | 1,525,000 | 2,295,000 | 3,181,000 |
| Income tax | 46,000 | 91,000 | 136,000 | 211,000 |
| Net income | 731,000 | 1,434,000 | 2,159,000 | 2,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,243,000 | 30,629,000 | 31,058,000 | 31,572,000 |
| Total capital | 31,491,000 | 31,868,000 | 32,297,000 | 32,813,000 |
| Risk-weighted assets | 117,295,000 | 115,258,000 | 115,258,000 | 121,670,000 |