Call reports 2007
VILLA GROVE STATE BANK — 2007
What VILLA GROVE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 51,118,000 | 50,042,000 | 51,767,000 | 52,962,000 |
| Total loans | 36,668,000 | 37,358,000 | 38,739,000 | 40,125,000 |
| Allowance for loan losses | 326,000 | 340,000 | 355,000 | 356,000 |
| Securities available for sale | 8,787,000 | 8,642,000 | 8,507,000 | 8,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,846,000 | 44,634,000 | 45,262,000 | 45,569,000 |
| Interest-bearing deposits | 40,446,000 | 38,964,000 | 39,376,000 | 39,326,000 |
| Noninterest-bearing deposits | 5,400,000 | 5,671,000 | 5,886,000 | 6,243,000 |
| Equity capital | 4,658,000 | 4,482,000 | 4,730,000 | 4,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 832,000 | 1,692,000 | 2,561,000 | 3,466,000 |
| Interest expense | 333,000 | 670,000 | 1,016,000 | 1,393,000 |
| Net interest income | 499,000 | 1,022,000 | 1,545,000 | 2,073,000 |
| Noninterest income | 31,000 | 69,000 | 107,000 | 147,000 |
| Noninterest expense | 331,000 | 668,000 | 1,014,000 | 1,397,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 184,000 | 393,000 | 593,000 | 763,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 6,000 |
| Net income | 183,000 | 390,000 | 588,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,722,000 | 4,609,000 | 4,733,000 | 4,576,000 |
| Total capital | 5,048,000 | 4,949,000 | 5,088,000 | 4,932,000 |
| Risk-weighted assets | 30,672,000 | 32,503,000 | 33,739,000 | 34,566,000 |
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