Call reports 2003
VILLAGE BANK & TRUST, S.S.B. — 2003
What VILLAGE BANK & TRUST, S.S.B. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 104,946,000 | 107,360,000 | 102,940,000 | 108,389,000 |
| Total loans | 81,050,000 | 80,394,000 | 76,717,000 | 75,656,000 |
| Allowance for loan losses | 819,000 | 831,000 | 831,000 | 750,000 |
| Securities available for sale | 15,014,000 | 15,786,000 | 13,620,000 | 15,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,728,000 | 89,505,000 | 89,303,000 | 95,222,000 |
| Interest-bearing deposits | 79,294,000 | 77,612,000 | 77,718,000 | 80,387,000 |
| Noninterest-bearing deposits | 14,434,000 | 11,893,000 | 11,585,000 | 14,835,000 |
| Equity capital | 10,491,000 | 10,787,000 | 9,950,000 | 10,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,557,000 | 3,103,000 | 4,576,000 | 6,102,000 |
| Interest expense | 506,000 | 985,000 | 1,474,000 | 1,940,000 |
| Net interest income | 1,051,000 | 2,118,000 | 3,102,000 | 4,162,000 |
| Noninterest income | 645,000 | 1,245,000 | 1,570,000 | 1,707,000 |
| Noninterest expense | 1,306,000 | 2,483,000 | 3,478,000 | 4,439,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 10,000 |
| Pretax income | 390,000 | 865,000 | 1,179,000 | 1,420,000 |
| Income tax | 132,000 | 294,000 | 401,000 | 416,000 |
| Net income | 258,000 | 571,000 | 778,000 | 1,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,100,000 | 10,416,000 | 9,631,000 | 9,903,000 |
| Total capital | 10,919,000 | 11,247,000 | 10,462,000 | 10,653,000 |
| Risk-weighted assets | 73,914,000 | 79,232,000 | 77,183,000 | 79,760,000 |