Call reports 2008
VILLA GROVE STATE BANK — 2008
What VILLA GROVE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 56,796,000 | 56,088,000 | 58,380,000 | 60,415,000 |
| Total loans | 39,948,000 | 41,840,000 | 45,554,000 | 47,962,000 |
| Allowance for loan losses | 372,000 | 388,000 | 404,000 | 399,000 |
| Securities available for sale | 8,165,000 | 8,276,000 | 8,259,000 | 7,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,141,000 | 50,803,000 | 52,475,000 | 53,543,000 |
| Interest-bearing deposits | 44,672,000 | 45,036,000 | 45,945,000 | 45,945,000 |
| Noninterest-bearing deposits | 6,469,000 | 5,767,000 | 6,530,000 | 7,598,000 |
| Equity capital | 4,959,000 | 4,676,000 | 4,817,000 | 4,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 882,000 | 1,757,000 | 2,658,000 | 3,563,000 |
| Interest expense | 359,000 | 700,000 | 1,038,000 | 1,369,000 |
| Net interest income | 523,000 | 1,057,000 | 1,620,000 | 2,194,000 |
| Noninterest income | 38,000 | 78,000 | 120,000 | 167,000 |
| Noninterest expense | 355,000 | 710,000 | 1,070,000 | 1,480,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 80,000 |
| Pretax income | 215,000 | 424,000 | 654,000 | 829,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 4,000 |
| Net income | 214,000 | 422,000 | 651,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,790,000 | 4,622,000 | 4,777,000 | 4,658,000 |
| Total capital | 5,162,000 | 5,010,000 | 5,181,000 | 5,057,000 |
| Risk-weighted assets | 35,322,000 | 35,960,000 | 39,037,000 | 41,021,000 |
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