Call reports 2010
VILLA GROVE STATE BANK — 2010
What VILLA GROVE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 66,833,000 | 66,997,000 | 68,913,000 | 68,575,000 |
| Total loans | 50,394,000 | 50,518,000 | 51,786,000 | 54,111,000 |
| Allowance for loan losses | 423,000 | 440,000 | 456,000 | 527,000 |
| Securities available for sale | 7,182,000 | 8,192,000 | 7,922,000 | 8,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,309,000 | 60,339,000 | 62,121,000 | 61,108,000 |
| Interest-bearing deposits | 52,685,000 | 53,181,000 | 54,454,000 | 53,178,000 |
| Noninterest-bearing deposits | 7,625,000 | 7,158,000 | 7,667,000 | 7,930,000 |
| Equity capital | 5,541,000 | 5,596,000 | 5,733,000 | 5,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 820,000 | 1,648,000 | 2,490,000 | 3,348,000 |
| Interest expense | 251,000 | 493,000 | 730,000 | 951,000 |
| Net interest income | 569,000 | 1,155,000 | 1,760,000 | 2,397,000 |
| Noninterest income | 50,000 | 96,000 | 137,000 | 185,000 |
| Noninterest expense | 406,000 | 806,000 | 1,203,000 | 1,649,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 134,000 |
| Pretax income | 198,000 | 415,000 | 649,000 | 799,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 13,000 |
| Net income | 195,000 | 409,000 | 640,000 | 786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,533,000 | 5,526,000 | 5,676,000 | 5,619,000 |
| Total capital | 5,956,000 | 5,966,000 | 6,132,000 | 6,146,000 |
| Risk-weighted assets | 44,294,000 | 44,147,000 | 45,521,000 | 47,748,000 |