Call reports 2016
VILLAGE BANK, THE — 2016
What VILLAGE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 84,858,000 | 81,338,000 | 81,538,000 | 82,577,000 |
| Total loans | 41,900,000 | 43,768,000 | 45,174,000 | 45,753,000 |
| Allowance for loan losses | 358,000 | 381,000 | 398,000 | 360,000 |
| Securities available for sale | 554,000 | 557,000 | 555,000 | 551,000 |
| Securities held to maturity | 16,046,000 | 13,795,000 | 14,792,000 | 13,791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,976,000 | 72,385,000 | 72,438,000 | 73,759,000 |
| Interest-bearing deposits | 56,428,000 | 55,166,000 | 53,989,000 | 53,346,000 |
| Noninterest-bearing deposits | 19,548,000 | 17,219,000 | 18,449,000 | 20,413,000 |
| Equity capital | 7,944,000 | 7,991,000 | 8,101,000 | 7,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 637,000 | 1,276,000 | 1,917,000 | 2,578,000 |
| Interest expense | 49,000 | 95,000 | 138,000 | 178,000 |
| Net interest income | 588,000 | 1,181,000 | 1,779,000 | 2,400,000 |
| Noninterest income | 87,000 | 180,000 | 278,000 | 383,000 |
| Noninterest expense | 489,000 | 993,000 | 1,500,000 | 1,978,000 |
| Provision for loan losses | 16,000 | 35,000 | 53,000 | 50,000 |
| Pretax income | 170,000 | 333,000 | 504,000 | 755,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 8,000 |
| Net income | 168,000 | 330,000 | 499,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,939,000 | 7,987,000 | 8,099,000 | 7,898,000 |
| Total capital | 8,297,000 | 8,368,000 | 8,497,000 | 8,258,000 |
| Risk-weighted assets | 40,160,000 | 41,844,000 | 43,260,000 | 43,639,000 |