Call reports 2006
VILLAGE BANK — 2006
What VILLAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 133,741,000 | 131,814,000 | 134,310,000 | 132,916,000 |
| Total loans | 108,192,000 | 108,784,000 | 108,470,000 | 104,905,000 |
| Allowance for loan losses | 1,315,000 | 1,209,000 | 1,052,000 | 1,073,000 |
| Securities available for sale | 13,773,000 | 13,616,000 | 13,831,000 | 13,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,991,000 | 96,377,000 | 95,717,000 | 91,923,000 |
| Interest-bearing deposits | 86,395,000 | 88,534,000 | 86,625,000 | 83,512,000 |
| Noninterest-bearing deposits | 7,596,000 | 7,843,000 | 9,092,000 | 8,411,000 |
| Equity capital | 9,138,000 | 11,350,000 | 12,617,000 | 12,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,976,000 | 4,253,000 | 6,600,000 | 8,904,000 |
| Interest expense | 849,000 | 1,901,000 | 3,025,000 | 4,196,000 |
| Net interest income | 1,127,000 | 2,352,000 | 3,575,000 | 4,708,000 |
| Noninterest income | 72,000 | 219,000 | 419,000 | 528,000 |
| Noninterest expense | 879,000 | 1,836,000 | 2,809,000 | 3,794,000 |
| Provision for loan losses | 575,000 | 650,000 | 725,000 | 800,000 |
| Pretax income | -255,000 | 85,000 | 460,000 | 642,000 |
| Income tax | -91,000 | 35,000 | 181,000 | 236,000 |
| Net income | -164,000 | 50,000 | 279,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,310,000 | 11,624,000 | 12,753,000 | 12,879,000 |
| Total capital | 10,625,000 | 12,833,000 | 13,805,000 | 13,952,000 |
| Risk-weighted assets | 108,488,000 | 109,445,000 | 110,924,000 | 110,286,000 |