Call reports 2015
VILLA GROVE STATE BANK — 2015
What VILLA GROVE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 72,769,000 | 72,807,000 | 73,870,000 | 75,391,000 |
| Total loans | 52,536,000 | 53,541,000 | 55,761,000 | 56,540,000 |
| Allowance for loan losses | 671,000 | 631,000 | 648,000 | 663,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,290,000 | 8,815,000 | 9,308,000 | 9,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,098,000 | 65,171,000 | 64,139,000 | 62,768,000 |
| Interest-bearing deposits | 49,393,000 | 52,044,000 | 50,650,000 | 49,866,000 |
| Noninterest-bearing deposits | 15,705,000 | 13,127,000 | 13,489,000 | 12,902,000 |
| Equity capital | 6,799,000 | 6,740,000 | 6,933,000 | 6,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 705,000 | 1,454,000 | 2,213,000 | 2,974,000 |
| Interest expense | 54,000 | 108,000 | 163,000 | 219,000 |
| Net interest income | 651,000 | 1,346,000 | 2,050,000 | 2,755,000 |
| Noninterest income | 30,000 | 73,000 | 116,000 | 158,000 |
| Noninterest expense | 406,000 | 816,000 | 1,236,000 | 1,705,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 260,000 | 573,000 | 885,000 | 1,148,000 |
| Income tax | 4,000 | 8,000 | 13,000 | 17,000 |
| Net income | 256,000 | 565,000 | 872,000 | 1,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,754,000 | 6,696,000 | 6,891,000 | 6,908,000 |
| Total capital | 7,278,000 | 7,225,000 | 7,435,000 | 7,479,000 |
| Risk-weighted assets | 41,823,000 | 42,274,000 | 43,448,000 | 45,630,000 |