Call reports 2016
VILLA GROVE STATE BANK — 2016
What VILLA GROVE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 73,320,000 | 72,861,000 | 72,682,000 | 70,759,000 |
| Total loans | 57,162,000 | 56,321,000 | 56,175,000 | 55,657,000 |
| Allowance for loan losses | 681,000 | 697,000 | 664,000 | 654,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,087,000 | 8,785,000 | 8,783,000 | 8,769,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,264,000 | 64,809,000 | 64,413,000 | 62,660,000 |
| Interest-bearing deposits | 49,725,000 | 50,221,000 | 49,593,000 | 47,991,000 |
| Noninterest-bearing deposits | 15,539,000 | 14,588,000 | 14,820,000 | 14,669,000 |
| Equity capital | 7,252,000 | 7,212,000 | 7,412,000 | 7,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 753,000 | 1,509,000 | 2,268,000 | 3,014,000 |
| Interest expense | 52,000 | 102,000 | 155,000 | 210,000 |
| Net interest income | 701,000 | 1,407,000 | 2,113,000 | 2,804,000 |
| Noninterest income | 25,000 | 63,000 | 97,000 | 129,000 |
| Noninterest expense | 402,000 | 812,000 | 1,218,000 | 1,705,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 309,000 | 628,000 | 947,000 | 1,168,000 |
| Income tax | 3,000 | 7,000 | 12,000 | 16,000 |
| Net income | 306,000 | 621,000 | 935,000 | 1,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,213,000 | 7,174,000 | 7,376,000 | 7,341,000 |
| Total capital | 7,782,000 | 7,736,000 | 7,937,000 | 7,897,000 |
| Risk-weighted assets | 45,455,000 | 44,838,000 | 44,853,000 | 44,446,000 |