Call reports 2002
VILLAGE BANK & TRUST, S.S.B. — 2002
What VILLAGE BANK & TRUST, S.S.B. 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 | 115,248,000 | 111,861,000 | 108,956,000 | 106,131,000 |
| Total loans | 96,312,000 | 93,045,000 | 86,683,000 | 81,792,000 |
| Allowance for loan losses | 768,000 | 874,000 | 948,000 | 840,000 |
| Securities available for sale | 7,091,000 | 11,184,000 | 13,073,000 | 13,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,487,000 | 88,697,000 | 98,241,000 | 95,184,000 |
| Interest-bearing deposits | 76,884,000 | 75,602,000 | 82,598,000 | 79,275,000 |
| Noninterest-bearing deposits | 13,603,000 | 13,095,000 | 15,643,000 | 15,909,000 |
| Equity capital | 9,279,000 | 9,594,000 | 9,948,000 | 10,285,000 |
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 | 2,050,000 | 3,959,000 | 5,943,000 | 7,612,000 |
| Interest expense | 817,000 | 1,381,000 | 1,976,000 | 2,504,000 |
| Net interest income | 1,233,000 | 2,578,000 | 3,967,000 | 5,108,000 |
| Noninterest income | 379,000 | 887,000 | 1,426,000 | 2,159,000 |
| Noninterest expense | 1,394,000 | 2,697,000 | 4,058,000 | 5,378,000 |
| Provision for loan losses | 104,000 | 220,000 | 300,000 | 200,000 |
| Pretax income | 114,000 | 548,000 | 1,035,000 | 1,689,000 |
| Income tax | 43,000 | 182,000 | 347,000 | 681,000 |
| Net income | 71,000 | 366,000 | 688,000 | 1,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,893,000 | 9,191,000 | 9,516,000 | 9,839,000 |
| Total capital | 9,661,000 | 10,065,000 | 10,464,000 | 10,679,000 |
| Risk-weighted assets | 83,570,000 | 81,149,000 | 76,332,000 | 76,237,000 |