Call reports 2004
VILLAGE BANK — 2004
What VILLAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 87,523,000 | 93,990,000 | 94,215,000 | 100,220,000 |
| Total loans | 74,342,000 | 76,722,000 | 79,053,000 | 82,251,000 |
| Allowance for loan losses | 552,000 | 517,000 | 731,000 | 735,000 |
| Securities available for sale | 7,502,000 | 7,752,000 | 7,813,000 | 7,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,387,000 | 73,145,000 | 72,447,000 | 76,919,000 |
| Interest-bearing deposits | 62,082,000 | 67,750,000 | 67,009,000 | 70,100,000 |
| Noninterest-bearing deposits | 5,305,000 | 5,395,000 | 5,438,000 | 6,819,000 |
| Equity capital | 7,326,000 | 7,219,000 | 7,019,000 | 8,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,030,000 | 2,070,000 | 3,222,000 | 4,440,000 |
| Interest expense | 355,000 | 730,000 | 1,153,000 | 1,600,000 |
| Net interest income | 675,000 | 1,340,000 | 2,069,000 | 2,840,000 |
| Noninterest income | 34,000 | 65,000 | 97,000 | 133,000 |
| Noninterest expense | 568,000 | 1,157,000 | 1,894,000 | 2,556,000 |
| Provision for loan losses | 0 | 20,000 | 295,000 | 295,000 |
| Pretax income | 146,000 | 233,000 | -18,000 | 127,000 |
| Income tax | 54,000 | 86,000 | -2,000 | 50,000 |
| Net income | 92,000 | 147,000 | -16,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,269,000 | 7,323,000 | 7,039,000 | 8,133,000 |
| Total capital | 7,821,000 | 7,840,000 | 7,770,000 | 8,868,000 |
| Risk-weighted assets | 70,149,000 | 75,894,000 | 78,501,000 | 82,922,000 |
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