Call reports 2007
VILLAGE BANK — 2007
What VILLAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 131,706,000 | 128,241,000 | 123,581,000 | 125,884,000 |
| Total loans | 104,867,000 | 101,196,000 | 93,253,000 | 86,320,000 |
| Allowance for loan losses | 1,489,000 | 1,989,000 | 2,094,000 | 1,560,000 |
| Securities available for sale | 12,896,000 | 15,817,000 | 16,170,000 | 20,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,799,000 | 91,309,000 | 87,117,000 | 85,792,000 |
| Interest-bearing deposits | 86,974,000 | 84,462,000 | 80,940,000 | 77,508,000 |
| Noninterest-bearing deposits | 7,826,000 | 6,847,000 | 6,177,000 | 8,284,000 |
| Equity capital | 12,444,000 | 11,728,000 | 10,915,000 | 10,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,240,000 | 4,487,000 | 6,604,000 | 8,569,000 |
| Interest expense | 1,171,000 | 2,382,000 | 3,597,000 | 4,765,000 |
| Net interest income | 1,069,000 | 2,105,000 | 3,007,000 | 3,804,000 |
| Noninterest income | 83,000 | 177,000 | 104,000 | 196,000 |
| Noninterest expense | 993,000 | 2,119,000 | 3,356,000 | 4,996,000 |
| Provision for loan losses | 500,000 | 1,165,000 | 1,465,000 | 1,843,000 |
| Pretax income | -341,000 | -1,002,000 | -1,710,000 | -2,808,000 |
| Income tax | -2,000 | 0 | 0 | -278,000 |
| Net income | -339,000 | -1,002,000 | -1,710,000 | -2,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,541,000 | 11,878,000 | 10,954,000 | 10,133,000 |
| Total capital | 13,927,000 | 13,237,000 | 12,228,000 | 11,335,000 |
| Risk-weighted assets | 110,795,000 | 108,100,000 | 101,067,000 | 95,765,000 |
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