Call reports 2002
VILLAGE BANK — 2002
What VILLAGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 68,856,000 | 71,828,000 | 75,727,000 | 77,713,000 |
| Total loans | 54,461,000 | 57,537,000 | 61,428,000 | 62,694,000 |
| Allowance for loan losses | 470,000 | 500,000 | 525,000 | 572,000 |
| Securities available for sale | 9,189,000 | 5,553,000 | 8,552,000 | 7,318,000 |
| Securities held to maturity | 997,000 | 997,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,558,000 | 55,811,000 | 60,303,000 | 63,843,000 |
| Interest-bearing deposits | 46,377,000 | 52,774,000 | 56,388,000 | 58,974,000 |
| Noninterest-bearing deposits | 4,181,000 | 3,038,000 | 3,915,000 | 4,869,000 |
| Equity capital | 7,024,000 | 7,111,000 | 7,201,000 | 7,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 953,000 | 1,948,000 | 2,957,000 | 3,981,000 |
| Interest expense | 456,000 | 916,000 | 1,392,000 | 1,840,000 |
| Net interest income | 497,000 | 1,032,000 | 1,565,000 | 2,141,000 |
| Noninterest income | 20,000 | 38,000 | 63,000 | 113,000 |
| Noninterest expense | 373,000 | 769,000 | 1,177,000 | 1,585,000 |
| Provision for loan losses | 0 | 30,000 | 55,000 | 102,000 |
| Pretax income | 144,000 | 271,000 | 396,000 | 567,000 |
| Income tax | 43,000 | 89,000 | 135,000 | 218,000 |
| Net income | 101,000 | 182,000 | 261,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,981,000 | 7,062,000 | 7,141,000 | 7,144,000 |
| Total capital | 7,451,000 | 7,562,000 | 7,666,000 | 7,716,000 |
| Risk-weighted assets | 50,360,000 | 54,409,000 | 57,093,000 | 58,383,000 |
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