Call reports 2013
VILLA GROVE STATE BANK — 2013
What VILLA GROVE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 74,582,000 | 72,462,000 | 70,895,000 | 68,887,000 |
| Total loans | 53,293,000 | 52,309,000 | 51,626,000 | 50,160,000 |
| Allowance for loan losses | 712,000 | 607,000 | 618,000 | 589,000 |
| Securities available for sale | 8,451,000 | 0 | 0 | 0 |
| Securities held to maturity | 1,599,000 | 10,005,000 | 9,988,000 | 9,721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,431,000 | 65,359,000 | 63,659,000 | 60,461,000 |
| Interest-bearing deposits | 53,474,000 | 51,889,000 | 51,856,000 | 48,119,000 |
| Noninterest-bearing deposits | 13,957,000 | 13,470,000 | 11,803,000 | 12,342,000 |
| Equity capital | 6,164,000 | 6,112,000 | 6,283,000 | 6,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 690,000 | 1,407,000 | 2,118,000 | 2,812,000 |
| Interest expense | 95,000 | 168,000 | 241,000 | 311,000 |
| Net interest income | 595,000 | 1,239,000 | 1,877,000 | 2,501,000 |
| Noninterest income | 37,000 | 75,000 | 115,000 | 157,000 |
| Noninterest expense | 391,000 | 759,000 | 1,187,000 | 1,670,000 |
| Provision for loan losses | 15,000 | 183,000 | 198,000 | 198,000 |
| Pretax income | 226,000 | 309,000 | 544,000 | 727,000 |
| Income tax | 3,000 | 4,000 | 8,000 | 11,000 |
| Net income | 223,000 | 305,000 | 536,000 | 716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,132,000 | 6,037,000 | 6,213,000 | 6,242,000 |
| Total capital | 6,664,000 | 6,561,000 | 6,733,000 | 6,758,000 |
| Risk-weighted assets | 42,359,000 | 41,871,000 | 41,525,000 | 41,174,000 |