Call reports 2005
VILLA GROVE STATE BANK — 2005
What VILLA GROVE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 48,818,000 | 47,890,000 | 48,216,000 | 47,904,000 |
| Total loans | 35,785,000 | 35,839,000 | 36,053,000 | 35,385,000 |
| Allowance for loan losses | 296,000 | 270,000 | 285,000 | 300,000 |
| Securities available for sale | 8,270,000 | 8,333,000 | 8,272,000 | 8,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,207,000 | 42,131,000 | 41,372,000 | 42,244,000 |
| Interest-bearing deposits | 37,619,000 | 37,282,000 | 36,668,000 | 36,379,000 |
| Noninterest-bearing deposits | 5,588,000 | 4,850,000 | 4,704,000 | 5,866,000 |
| Equity capital | 4,614,000 | 4,637,000 | 4,715,000 | 4,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 621,000 | 1,269,000 | 1,939,000 | 2,645,000 |
| Interest expense | 183,000 | 377,000 | 598,000 | 833,000 |
| Net interest income | 438,000 | 892,000 | 1,341,000 | 1,812,000 |
| Noninterest income | 37,000 | 81,000 | 119,000 | 156,000 |
| Noninterest expense | 319,000 | 632,000 | 953,000 | 1,299,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 141,000 | 311,000 | 462,000 | 609,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 141,000 | 311,000 | 462,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,733,000 | 4,692,000 | 4,830,000 | 4,804,000 |
| Total capital | 5,029,000 | 4,962,000 | 5,115,000 | 5,104,000 |
| Risk-weighted assets | 30,206,000 | 29,910,000 | 30,004,000 | 29,507,000 |
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