Call reports 2003
VILLA GROVE STATE BANK — 2003
What VILLA GROVE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 47,776,000 | 47,659,000 | 46,791,000 | 47,499,000 |
| Total loans | 30,257,000 | 31,097,000 | 32,247,000 | 33,490,000 |
| Allowance for loan losses | 248,000 | 278,000 | 217,000 | 247,000 |
| Securities available for sale | 8,976,000 | 9,267,000 | 8,917,000 | 8,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,992,000 | 42,052,000 | 39,849,000 | 40,636,000 |
| Interest-bearing deposits | 37,319,000 | 37,207,000 | 35,685,000 | 35,928,000 |
| Noninterest-bearing deposits | 4,673,000 | 4,845,000 | 4,164,000 | 4,708,000 |
| Equity capital | 4,545,000 | 4,499,000 | 4,528,000 | 4,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 609,000 | 1,202,000 | 1,794,000 | 2,381,000 |
| Interest expense | 223,000 | 424,000 | 610,000 | 787,000 |
| Net interest income | 386,000 | 778,000 | 1,184,000 | 1,594,000 |
| Noninterest income | 54,000 | 96,000 | 147,000 | 195,000 |
| Noninterest expense | 295,000 | 589,000 | 897,000 | 1,225,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 115,000 | 225,000 | 344,000 | 444,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 115,000 | 225,000 | 344,000 | 444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,308,000 | 4,285,000 | 4,404,000 | 4,407,000 |
| Total capital | 4,556,000 | 4,563,000 | 4,621,000 | 4,654,000 |
| Risk-weighted assets | 27,189,000 | 27,720,000 | 28,404,000 | 29,223,000 |
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