Call reports 2005
VILLAGE BANK — 2005
What VILLAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 102,298,000 | 108,849,000 | 112,421,000 | 119,310,000 |
| Total loans | 86,983,000 | 90,925,000 | 92,813,000 | 96,955,000 |
| Allowance for loan losses | 752,000 | 737,000 | 740,000 | 782,000 |
| Securities available for sale | 8,486,000 | 10,057,000 | 10,461,000 | 11,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,848,000 | 82,637,000 | 86,295,000 | 91,531,000 |
| Interest-bearing deposits | 70,808,000 | 75,627,000 | 78,493,000 | 81,655,000 |
| Noninterest-bearing deposits | 6,040,000 | 7,010,000 | 7,803,000 | 9,876,000 |
| Equity capital | 9,099,000 | 9,288,000 | 9,293,000 | 9,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,823,000 | 4,434,000 | 6,198,000 |
| Interest expense | 493,000 | 1,057,000 | 1,707,000 | 2,439,000 |
| Net interest income | 864,000 | 1,766,000 | 2,727,000 | 3,759,000 |
| Noninterest income | 38,000 | 80,000 | 132,000 | 152,000 |
| Noninterest expense | 704,000 | 1,418,000 | 2,174,000 | 2,962,000 |
| Provision for loan losses | 81,000 | 111,000 | 141,000 | 221,000 |
| Pretax income | 117,000 | 317,000 | 544,000 | 728,000 |
| Income tax | 43,000 | 122,000 | 207,000 | 287,000 |
| Net income | 74,000 | 195,000 | 337,000 | 441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,207,000 | 9,327,000 | 9,369,000 | 9,474,000 |
| Total capital | 9,959,000 | 10,064,000 | 10,109,000 | 10,256,000 |
| Risk-weighted assets | 86,944,000 | 91,404,000 | 92,167,000 | 98,254,000 |