Call reports 2015
VILLAGE BANK, THE — 2015
What VILLAGE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 89,635,000 | 85,803,000 | 85,403,000 | 85,525,000 |
| Total loans | 44,063,000 | 44,343,000 | 43,448,000 | 42,314,000 |
| Allowance for loan losses | 366,000 | 374,000 | 384,000 | 360,000 |
| Securities available for sale | 1,807,000 | 3,541,000 | 2,581,000 | 549,000 |
| Securities held to maturity | 2,936,000 | 10,749,000 | 13,248,000 | 14,797,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,003,000 | 77,141,000 | 76,520,000 | 76,861,000 |
| Interest-bearing deposits | 61,852,000 | 59,524,000 | 59,147,000 | 58,114,000 |
| Noninterest-bearing deposits | 19,151,000 | 17,617,000 | 17,373,000 | 18,747,000 |
| Equity capital | 7,737,000 | 7,740,000 | 7,923,000 | 7,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 607,000 | 1,240,000 | 1,903,000 | 2,543,000 |
| Interest expense | 60,000 | 119,000 | 177,000 | 231,000 |
| Net interest income | 547,000 | 1,121,000 | 1,726,000 | 2,312,000 |
| Noninterest income | 79,000 | 167,000 | 259,000 | 352,000 |
| Noninterest expense | 469,000 | 939,000 | 1,419,000 | 1,934,000 |
| Provision for loan losses | 6,000 | 14,000 | 41,000 | 71,000 |
| Pretax income | 151,000 | 335,000 | 525,000 | 659,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 7,000 |
| Net income | 149,000 | 331,000 | 519,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,737,000 | 7,808,000 | 7,937,000 | 7,771,000 |
| Total capital | 8,103,000 | 8,182,000 | 8,321,000 | 8,131,000 |
| Risk-weighted assets | 40,780,000 | 42,537,000 | 41,984,000 | 40,395,000 |