Call reports 2026
VERMILION VALLEY BANK — 2026
What VERMILION VALLEY BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 193,666,000 | 198,166,000 |
| Total loans | 110,797,000 | 115,004,000 |
| Allowance for loan losses | 1,248,000 | 1,248,000 |
| Securities available for sale | 72,491,000 | 75,269,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 162,119,000 | 160,136,000 |
| Interest-bearing deposits | 128,288,000 | 128,809,000 |
| Noninterest-bearing deposits | 33,831,000 | 31,327,000 |
| Equity capital | 30,430,000 | 31,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 2,081,000 | 4,346,000 |
| Interest expense | 594,000 | 1,207,000 |
| Net interest income | 1,487,000 | 3,139,000 |
| Noninterest income | 75,000 | 106,000 |
| Noninterest expense | 682,000 | 1,314,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 877,000 | 1,935,000 |
| Income tax | 35,000 | 80,000 |
| Net income | 842,000 | 1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 32,104,000 | 32,792,000 |
| Total capital | 33,352,000 | 34,040,000 |
| Risk-weighted assets | 121,670,000 | 123,303,000 |